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Job Description

Job Description

To grow a high quality SME client portfolio both in cheap and stable deposits and loans and manage all client relationships to ensure world class customer service and maximum returns.

KEY MEASURABLE GOALS

 Growth in number of clients through cheap and stable deposits and SME loans Growth in Outstanding SME loan book Quality of the SME Loan Portfolio Timely loan processing  and disbursement Transaction Income and deposits from SME clients as well as value chain management Cross-selling of Bancassurance products

 

KEY RESPONSIBILITIES

Lead generation and conversion to business (Loans, Fixed Deposits, business accounts etc.)

To champion SME product in the Branches

Client retention through world class customer service

Relationship Management of existing SME clients

Account utilization by all SME clients

Proper KYC vetting of clients using supporting documents and SME appraisal tools   

Proper loan appraisals measured by approval success rate 

Ensuring every application is approved by the authorized signatories

Documentation and integrity

Compliance to Credit Policy, Compliance and audit standards together with company policies and procedures

Dissemination of information to prospective clients about Faulu

Products and service awareness

Ensuring clients understand our operations policy with regard to accessing our services and products

Periodic SME training to the branch staff to enhance awareness and cross selling

Ensuring account utilization -all business proceeds to be banked through Faulu

Relationship management – scheduled and adhoc client visits, calls, etc.

On time loan repayment and follow ups

Understanding the underlying causes of default and take remedial actions as per credit policy

Attain PAR targets

Networking with SME Business Forums, events, etc.

Stakeholder relationship management; local administration, dealers, etc.

Monitor, on a continuous basis, all transitions to ensure that unusual and suspicious transactions are reported to the Money Laundering Reporting Officer (MLRO)

Obtain, verify and maintain proper identification of customers wishing to make transactions whether directly or through proxy.

Adhere to all the due diligence measures when conducting transactions as enshrined in the Bank's AML, KYC & CFT policies, procedures and guidelines

Education

Bachelor’s degree in a Business-related field

Desirable

Diploma in sales and marketing

Knowledge and Skills

SME Credit analysis, credit management and marketing/Relationship Management

Experience

At least 2-year related experience

Personal Attributes

Good communication and interpersonal skills.

Excellent problem solving and decision-making skills.

Team player and quick thinker

How To Apply

Interested and qualified candidates should submit their applications to Old Mutual via their career portal using the link Old Mutual Careers

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