Job Description

• Reporting to the Business Growth & Development Manager, the role-holder will develop business opportunities in Small & Medium Enterprises (SME) segment by marketing for cheap & stable deposits as well as coordinating the preparation of credit applications from the Branch and other leads for lending and cross-selling of other Bank’s products and services. 
• The role-holder will work closely with the Branch Team to maintain a high degree of Customer focus and grow the SME portfolio of the Bank

KEY RESPONSIBILITIES 

Credit appraisal & approval 

• New business acquisition in the SME segment.
• Appraise credit applications to ensure they meet policy standards.
• Ensure customers receive prompt feedback on the fate of their applications.
• Make appropriate recommendations and present the same to the Branch Credit Committee.

Marketing of the Bank products 

• Attracting new business and expanding current business
• Customer care.
• Assisting in the cross-selling of all the Bank products and services including Bancassurance.

Monitoring and Control of the Business Banking portfolio 

• Ensuring compliance with Bank’s credit policy and Government regulations
• Regularly monitor all non-performing accounts
• Maintain and evaluate quality of Loans to ensure compliance with lending guidelines.
• Ensure all lending covenants are incorporated in the respective facility letters.
• Managing loans in arrears.
• Preparation of special SME sector reports on credit disbursements, loan arrears and productivity.
• Forwarding all non-performing facilities to collections with appropriate recommendations and documented recovery efforts from the Branch.

Staff functions 

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

AML KYC & CFT Responsibilities

• Monitor, on a continuous basis, all transactions to ensure that unusual and suspicious transactions are reported to the Money Laundering Reporting Officer (MLRO)
• Implementing and enforcing the board approved AML, KYC & CFT policy in as far as is applicable within my area of responsibility