ROLE ACTIVITIES
1. Client Relationship Management
– Build and maintain strong relationships with micro and small business clients.
– Conduct regular meetings with clients to understand their financial needs and business goals.
– Provide financial solutions such as loans, and credit lines across all sectors.
2. Financial Analysis and Credit Assessment:
– Review and analyze clients’ financial statements, credit reports, and other relevant data to evaluate creditworthiness.
– Prepare detailed credit proposals, including risk assessments and recommendations for loan approvals.
– Monitor client financial performance to anticipate potential issues and manage risk.
3. Sales and Business Development
– Identify and pursue new business opportunities to expand the client base and grow the portfolio.
– Develop and implement strategies to achieve sales targets for banking products and services.
– Engage in cross-selling and up-selling activities to deepen client relationships and increase revenue.
4. Portfolio Management
– Manage a portfolio of business clients, ensuring balanced growth and risk management.
– Conduct regular reviews of client accounts to identify opportunities for growth and potential risks.
– Work with clients to restructure debt or modify loan terms as necessary.
5. Compliance and Risk Management:
– Ensure all client interactions and transactions comply with regulatory requirements and internal policies.
– Identify and mitigate risks within the client portfolio to prevent defaults and losses.
– Keep abreast of changes in regulations and market conditions that could impact clients and the bank.
6. Market Insights
– Stay updated on industry trends, competitor activities, and market conditions.
– Network with industry professionals and participate in relevant events to build relationships and identify opportunities.
– Provide insights to management on market dynamics and client needs.
QUALIFICATIONS & EXPERIENCE
- Bachelor’s in Degree in finance, business economics, accounting or a related field;
- 5 years experience in banking, financial services or a related industry.
Closing date: 31 December 2024