Job Description
Banking Jobs, Umba Jobs.
The Relationship Manager – SME is responsible for driving SME portfolio growth through acquisition of new customers, deepening existing relationships, ensuring high-quality credit underwriting, and delivering tailored financial solutions to SMEs. The role focuses on increasing funded and non-funded income, growing deposits, and ensuring portfolio quality in line with the institution’s risk appetite.
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Responsibilities:
Business Development and Sales
- Acquire new SME customers to grow the loan book, deposits, and transactional income.
- Identify financing opportunities in targeted MSME sectors.
- Develop and maintain a strong pipeline of SME prospects.
- Upsell and cross-sell additional bank products.
- Conduct market intelligence to identify trends and growth opportunities.
- Drive achievement of monthly and quarterly sales targets.
Relationship Management
- Build strong client relationships.
- Conduct customer visits and business reviews.
- Handle onboarding, documentation, and service follow-up.
- Maintain customer satisfaction.
Credit Appraisal and Risk Management
- Conduct credit assessments and cashflow analysis.
- Prepare high-quality credit proposals.
- Support collections in monitoring repayments.
- Identify and escalate early warning signs.
- Ensure compliance with internal and regulatory guidelines.
Portfolio Management
- Maintain a performing SME portfolio.
- Track performance, repayment behaviour, and limit utilization.
- Conduct periodic portfolio reviews.
- Maintain accurate engagement records.
Reporting and Operational Support
- Prepare weekly reports and pipeline updates.
- Support branch teams in achieving business targets.
- Participate in product improvement sessions.
KPIs
- SME loan disbursement targets
- Deposit growth targets
- Non-funded income contribution
- Portfolio quality (PAR metrics)
- Number of new SME accounts opened
- Customer retention levels
- TAT and quality of credit proposals
- Weekly field activity and visit reports
Minimum Qualifications:
- Diploma holders with strong SME experience may be considered.
Professional Experience:
- 2–4 years’ experience in SME banking or microfinance.
- Proven sales and credit appraisal experience.
- Experience with MSME lending models is an added advantage.
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How to Apply
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