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CRDB Bank Plc 300x200

Relationship Manager SME at CRDB Bank April, 2021

JOB TITLE: Relationship Manager SME

Job Purpose

Recruitment of SME customers, Deposit Mobilization, Growth of quality assets and Cross selling of other bank products at a respective zone while maintaining business relationship with existing and new customers in accordance with Bank’s strategic focus.

Main Responsibilities

Business growth

Growing Loan Portfolio

  • Engage potential SME customers on daily basis with intention of Identify and negotiate business opportunities in order to recruit customers in line with business targets.
  • Track sale leads and pipelines to ensure maturity.
  • Explore opportunities in the zone and devising strategies for benefits realization.
  • Facilitate processing of SME application as per committed TAT.
  • Assist branches to develop and monitor strategic plans i.e target market, sectors and expectations based on local market survey and customer feedback.
  • Communicate and review AMs -SME portfolio performance at branch and devise remedial measures for any deviation from the target.
  • Cross selling of all bank products and services to SME Customers.

Deposit mobilization

  • Engage potential SME customers to secure deposit.
  • Support branches to solicit deposits from SME customers to meet Bank’s deposit targets.
  • Come up with initiatives to support deposit mobilization strategy.

Portfolio Quality Management

  • Overall monitoring of SME portfolio quality as per monitoring guideline to ensure attainment of set parameters.
  • Track delinquent collection to contain of NPL migration.
  • Share collection update with respectively Business Banking Managers on weekly and monthly basis.
  • Preparation and submission of periodic zonal reports as may be required by management.

 

Relationship management

  • Develop and maintain business relationship with existing and potential customers on behalf of the bank. Act as bank’s key contact person to SME customers.
  • Facilitate establishment and maintenance of active SME business clubs.
  • Initiate and conduct customer engagements in order to retain them and enhance loyalty.

 

Attributes

  • Comprehensive knowledge in SME lending and SME loan cycle management.
  • Adequate experience in Credit underwriting.
  • Excellent sells interpersonal and networking skills. Ability to communicate and interact effectively with various external stakeholders.
  • Ability to organize and conduct stakeholder’s engagements.
  • A detailed understanding of banking industry regulation requirements.
  • Persuasion and negotiation skills.
  • Excellent Presentation and Training skills.

Qualifications and Experience.

  • Bachelor Degree in Business, Accountancy, Economy, Finance or any other related field.
  • Ability to keep abreast of industry changes in SME environments.
  • Minimum of 5 years experience in SME lending.

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