Key Responsibilities

• Market and grow SME and institutional banking products including loans, deposits, and transactional accounts.
• Identify and onboard new SME, institutional, retail, and business customers.
• Appraise, review, validate, and process SME credit applications in line with lending policies and procedures.
• Prepare and present credit proposals to the relevant credit committees for approval.
• Maintain a quality loan portfolio while ensuring portfolio at risk (PAR) remains within acceptable limits.
• Monitor customer accounts and actively follow up on arrears to minimize delinquency and loan default.
• Drive growth in SME deposits and mobilize lowcost funds to support business objectives.
• Build and maintain strong customer relationships through regular visits, calls, and engagement activities.
• Act as the primary relationship contact for assigned SME and institutional customers.
• Crosssell banking products and services to maximize customer value and revenue generation.
• Maintain accurate customer records and relationship databases.
• Identify customer needs and provide proactive solutions and service support.
• Promote utilization of alternative banking channels and nonfunded income products.
• Ensure compliance with AML, KYC, operational procedures, and regulatory requirements.
• Support customer retention initiatives and maintain high levels of customer satisfaction.
• Participate in business development activities, branch initiatives, and teamwork programs.
• Prepare business performance and portfolio reports as required by management.

Qualifications & Requirements

• Bachelor’s Degree in Commerce, Business Administration, Finance, Banking, Economics, Marketing, or a related field.
• Formal training in Banking, Credit Management, or Customer Service will be an added advantage.
• Minimum of 3 years’ experience in relationship management, SME banking, or business development within a financial institution.
• Experience in banking, microfinance, SACCO, or financial services sector is highly preferred.
• Experience in the same business is preferred.
• Strong understanding of SME lending, credit appraisal, and portfolio management.
• Proven sales, marketing, and customer relationship management capabilities.
• Good analytical, negotiation, and problemsolving skills.
• Strong communication, report writing, and presentation skills.
• Knowledge of banking operations, risk management, and compliance requirements.
• Ability to manage multiple customer relationships and meet business targets effectively.

Key Competencies

• SME and institutional relationship management
• Business development and portfolio growth
• Credit appraisal and loan processing
• Deposit mobilization and customer acquisition
• Sales and crossselling capabilities
• Financial analysis and risk assessment
• Customer service excellence
• Communication and negotiation skills
• Compliance and operational risk management
• Teamwork and stakeholder engagement

• Market and grow SME and institutional banking products including loans, deposits, and transactional accounts.
• Identify and onboard new SME, institutional, retail, and business customers.
• Appraise, review, validate, and process SME credit applications in line with lending policies and procedures.
• Prepare and present credit proposals to the relevant credit committees for approval.
• Maintain a quality loan portfolio while ensuring portfolio at risk (PAR) remains within acceptable limits.
• Monitor customer accounts and actively follow up on arrears to minimize delinquency and loan default.
• Drive growth in SME deposits and mobilize lowcost funds to support business objectives.
• Build and maintain strong customer relationships through regular visits, calls, and engagement activities.
• Act as the primary relationship contact for assigned SME and institutional customers.
• Crosssell banking products and services to maximize customer value and revenue generation.
• Maintain accurate customer records and relationship databases.
• Identify customer needs and provide proactive solutions and service support.
• Promote utilization of alternative banking channels and nonfunded income products.
• Ensure compliance with AML, KYC, operational procedures, and regulatory requirements.
• Support customer retention initiatives and maintain high levels of customer satisfaction.
• Participate in business development activities, branch initiatives, and teamwork programs.
• Prepare business performance and portfolio reports as required by management.

• SME and institutional relationship management
• Business development and portfolio growth
• Credit appraisal and loan processing
• Deposit mobilization and customer acquisition
• Sales and crossselling capabilities
• Financial analysis and risk assessment
• Customer service excellence
• Communication and negotiation skills
• Compliance and operational risk management
• Teamwork and stakeholder engagement

• Bachelor’s Degree in Commerce, Business Administration, Finance, Banking, Economics, Marketing, or a related field.
• Formal training in Banking, Credit Management, or Customer Service will be an added advantage.
• Minimum of 3 years’ experience in relationship management, SME banking, or business development within a financial institution.
• Experience in banking, microfinance, SACCO, or financial services sector is highly preferred.
• Experience in the same business is preferred.
• Strong understanding of SME lending, credit appraisal, and portfolio management.
• Proven sales, marketing, and customer relationship management capabilities.
• Good analytical, negotiation, and problemsolving skills.
• Strong communication, report writing, and presentation skills.
• Knowledge of banking operations, risk management, and compliance requirements.
• Ability to manage multiple customer relationships and meet business targets effectively.