ESSENTIAL JOB RESPONSIBILITIES

• Sourcing of SME clients for both deposits & loans in line with set targets.
• Sourcing of individual clients for both savings, Current and fixed deposit accounts in line with set target.
• Packaging of customers’ credit requests
• Conduct qualitative credit appraisals of clients’ businesses e.g. cash flow, profitability, P&L & Balance Sheet Analysis.
• Ensure credits are packaged in line with credit policies & procedures of the bank.
• Ensure credits are within the bank’s obligor limit
• Rendering financial advice to clients
• Rendering weekly & monthly reports to the management
• Ensure proper KYC are conducted on customers
• Monitoring the loan portfolio and follow up on repayment.
• Carry the entire operation and execution from loan approval to legal to disbursement.
• Monitor the client relations and payment schedule.
• Partner with possible institutions to help better serve our client requirement and get business.
• Understand the client need & design communication for them.
• Design Products suitable to market and client’s requirement in coordination and supervision of Head SME.
• Study competitor and do product benchmarking.
• Maintain and manage the cordial relationship with stakeholders through client servicing.
• Recommending Cases to put up for appraisal
• Recommending New Product Design
• Recommending Institutional Tie-ups
• Evaluation of Financials of prospecting firms/customers
• Market research activities
• Provide feedback to senior management, marketing and product management on customer’s needs and the efficiency of marketing strategies and tactics. 
• Responsible for delivering a service to customers that matches the Bank’s brand promise of being the Right Partner.

ESSENTIAL JOB REQUIREMENTS

• Bachelor’s degree from a reputable institution with at least 5 years related experience.
• Advance knowledge of the Microfinance and/or Banking industry and related state or banking compliance regulations, banking law, etc. is a must
• High level of numeracy to evaluate complex statistical financial information is required
• Strong managerial, business development, analytical and research skills
• Strong leadership qualities with a proactive, results- oriented and a positive can do disposition
• Excellent oral, written communication and presentation skills
• Must possess good knowledge in results-based management systems (RBMS)
• Excellent computer skills in the use of Microsoft office suite and working knowledge of banking software.