Senior Relationship Officer-SME Banking

Job Description

Reporting to the Head of SME Banking, the role-holder will be responsible for business development and Growth in Small & Medium Enterprises (SME) Sector quality Portfolio and marketing for cheap & stable deposits as well as coordinating with the SME branch officers and Managers for the preparation of credit applications from the Branches and other leads for lending and cross-selling of other Bank’s products and services.

The role-holder will work closely with the Branches to maintain a high degree of Customer focus and grow the SME portfolio of the Bank.

KEY MEASURABLE KPI’S

• Growth in SME number of Clients
• Growth in SME Quality Loan Book (OLB)
• Portfolio At Risk of the SME Book (PAR)
• Growth in SME Customer deposit, both CASA and Term (ODB)
• Timely loan Disbursement and Repayment (TAT)
• Growth of Quality Trade Finance Book in the segment Sector Profitability

Key Responsibilities

• To implement the SME Banking strategy in line with the overall Bank Strategy; to ensure achievement of profitability targets through revenue maximization and aggressive growth of innovative SME and Trade Finance portfolio.
• Working Closely with the Branch team (SME officers/ SRO-SME/RM-SME Branch and Branch Managers) and Credit to increase Market share of the SME Segment in terms of customer numbers, product and Service Consumption.
• Working directly with the Branches and SME branch team to grow a quality SME portfolio and to drive account utilization that leads to the growth of cheap and stable deposit in the segment.
• Provide support to the branch team on reviewing/appraising of the SME file for approval by ensuring timely submission of quality credit proposals in conformity with the Credit Policy guidelines
• In liaison with other bank stakeholders, ensure quality portfolio by effective identification of risks and their mitigation measures.
• Ensure there is quick and timely feedback to the clients on the fate of their application by communicating the same to the clients through the branch team or directly to the client where applicable.
• Working closely with the branch team to ensure the approval success rate is maintained above 80% through training on quality credit appraisals.
• Offer support to the branches on the onboarding of the lead Generators to increase the business volume in the segment.
• Track customer and competitor activity; analyze the relevant market and industry data to identify opportunities for innovation and business growth.
• Provide training to all bank staff on SME Banking products
• Any other duty that may be assigned by the supervisor

Other Key Responsibilities

• Credit appraisal & approval
• New business acquisition in the SME segment.
• Appraise credit applications to ensure they meet Bank’s policy standards
• Make appropriate recommendations and present the same to the Head office Credit Committee, Appeal Committee, Exco Committee and or Board Commitee
• Marketing of the Bank products
• Attracting new business and expanding current business
• Good Customer experience and Relationship Management
• Assisting in the cross-selling of all the Bank products and services
• Monitoring and Control of the SME Banking portfolio
• Ensuring compliance with Bank’s credit policy and Government regulations
• Regularly monitor all performing accounts
• Maintain and evaluate quality of Loans to ensure compliance with lending guidelines.
• Preparation of special SME sector reports on credit disbursements, loan arrears and sector productivity.

Staff Functions

• Adopting a proactive and energetic work style to enhance customer/ interdepartmental /branch delight.
• Offer advice and support to Branches and the SME Officers on matters and issues relating to SME Credit appraisals.
• Upholding the required professional and technical knowledge by attending and contributing to the appropriate Training programmes

AML KYC & CFT Responsibilities

• The incumbent will be responsible for ensuring adherence to, implementation of, and adoption of Compliance, Anti-Money Laundering (AML), and Sanctions-related policies, procedures, and process requirements within Old Mutual and its subsidiaries. This includes execution of customer due diligence processes, ensuring compliance with Know-Your-Customer (KYC) standards, conducting ongoing and enhanced due diligence, and maintaining data quality.
• Additionally, the role involves identifying and monitoring potential AML, Sanctions, or Compliance breaches and unusual activities, and escalating these concerns to the Risk and Compliance Office for further action.

Education

Business-related degree from a recognised university

Professional Qualifications

Accounts Qualification Section 4 of CPAs

Additional Qualifications/Experience (Preferred, Not A Requirement)

Master’s degree

Knowledge Skills, And Experience

Business management skills

Credit management skills, Supervisory skills

At least 5 years as a Universal Banker in MSME business

Lending hands-on experience of at least 3 years.

Competencies Required

Good communication

Interpersonal skills

Team leader/player

Provides specialist knowledge and executes account development strategies and sales business plans in order to achieve medium-sized sales targets.

• Responsibilities

Data Collection and Analysis

Collate and analyze data using preset tools, methods, and formats. Involves working independently.

Information and Business Advice

Resolve queries from internal or external customers or suppliers by providing information on complex processes and the related policies, referring issues to others where necessary for interpretation of policy.

Document Preparation

Prepare moderately complex documents using a variety of applications for technology devices, such as standard office software. Also responsible for gathering and summarizing data for reports.

Insights and Reporting

Extract and combine data to generate standard reports.

Customer Relationship Management / Account Management

Make calls (by telephone or in person) to allocated customers to maintain and strengthen existing relationships. Act as a first point of contact for resolving customer queries and complaints.

Financial Advice

Conduct comprehensive financial planning and advice services for more complex client situations.

Sales

Deliver mostly routine sales support services.

Operational Compliance

Develop knowledge and understanding of the organization’s policies and procedures and of relevant regulatory codes and codes of conduct to ensure own work adheres to those standards. Obtain authorization from a supervisor or manager for any exceptions from mandatory procedure.

Personal Capability Building

Develop own capabilities by participating in assessment and development planning activities as well as formal and informal training and coaching. Develop and maintain an understanding of relevant technology, external regulation, and industry best practices through ongoing education, attending conferences, and reading specialist media.

Skills

Competencies

Communicates Effectively

Customer Focus

Decision Quality

Ensures Accountability

Manages Complexity

Optimizes Work Processes

Plans and Aligns

Tech Savvy

Education

Closing Date

06 June 2025 , 23:59

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