Reports to: Head of Retail Banking

Department: Commercial Banking

Position Functions:

• Develop, expand and maintain a portfolio of SME and Mortgage clients for the bank, to achieve set budgets within overall bank objectives.
• Managing and maintaining the entire Bank of Africa’s SME portfolio of all branches in numbers and value.
• Monitors risk and ensures debt collection
• Improve and updates customer & prospect database

Key Responsibilities:

• Overall SME portfolio in charge, managing and maintaining the entire Bank of Africa’s SME portfolio of over all branches.
• Assessing portfolio at risk, minimizing NPA and maintaining the quality SME portfolio.
• Recruiting new SME Clients for both assets and liability portfolios.
• Minimize non-performing assets by proactively following up according to the bank’s credit policies and procedures up on unpaid arrears and excesses.
• Managing and guiding all SME Relationship Managers and the banks Relationship Officers to ensure a sound SME portfolio is maintained at the bank.
• Receiving, Appraising and recommending all SME proposals to Head of Retail/DMD Business Analysis Unit.
• Work hand on hand with SME Relationship Managers on growing and maintaining SME portfolio.
• Managing defaulting facilities and determining appropriate workout strategies to minimize loss, including proposals for restructuring exposure as appropriate for approval.
• Writing weekly sales performance and business pipeline reports across all product ranges in SME.
• Plan for sales activities on a weekly basis and make visits to targeted customers & prospects in line with BOA Sales practices and guidelines and ensures a optimized transformation rate ( Strike rate).
• Prepare a weekly report based on the sales activities, analyzing with SME Manager the achievements and planning for corrective actions in case of variances.
• Monitoring the overstepping reports and advising accordingly.
• Monitoring risk and debt collection.
• Manage a portfolio of SME and Mortgage customers, focusing on increasing product penetration, profitability and customer satisfaction.
• Develop, maintain and expand relationships with SME AND Mortgage customers, with an aim of attaining good quality asset book.
• Ensure compliance with credit and regulatory guidelines.
• Collects, processes and follow up complaints and proposes solutions.
• Any other duty as may be assigned by Line Manager.

Technical Know How:

• Management skills
• Excellent customer service capabilities
• Negotiations and conflicts resolution skills
• Documentation and process management skills
• Excellent interpersonal skills
• Strong leadership and management skills
• Decision making skills
• Sufficient knowledge and understanding of the market
• Team building & conflict management
• Knowledge on credit risk and process
• Knowledge of all relevant banking policies, process, procedures, prudential guidelines and guidance to consistently achieve required compliance standard or benchmark
• Interpret, analyze and evaluate data received from multiple source of information
• Excellent planning, organization and execution skills
• Product knowledge
• Customer care skills
• Planning, organization and execution skills

Competences, Knowledge & Experience:

• University degree in either Business Administration Commerce, Finance, Economics, Marketing or relevant fields.
• Not less than 4 years of experience in Sales, Marketing or any financial Institution
• Excellent communication and interpersonal skills
• Excellent selling and networking skills
• Management Skills.
• Presentation Skills.
• Good negotiation skills
• Good team player
• Excellent customer service skills
• High level of innovativeness and creativity
• Positive and flexible attitude towards change and competition
• Out-going, self-motivated, assertive and proactive
• Good Presentation and decision making skills