•Identifying client needs, developing strategies and solutions to meet those needs.
•Make sales to NTB customers, promote liability and asset products to achieve designated sales targets.
•Conduct regular client visits for relationship building retention & growth of wallet share
•Transaction Banking Products & Services.
•Undertake regular portfolio reviews to understand portfolio growth.
•Leveraging internal stakeholders, business partners and products where appropriate.
•Delivering the appropriate client experience and the right opportunities to grow that relationship further.
•Provide a total business support service for SME clients to ensure their expectations are met and exceeded.
•Must ensure compliance with these policies and procedures on an ongoing basis (AML procedures, reputation risk and miss-selling activities)
•Balance between risk and reward of assets by effectively onboarding customer who meet the bank’s asset quality and policy requirements.
•Portfolio monitoring to ensure growing a profitable portfolio by managing NPL to acceptable levels i.e. 5%

COMPETENCIES 
•A good understanding of the market dynamics and customer attributes.
•The candidate need to be well organized, and someone who delivers on promises made to clients. 
•A good grasp of the financials, credit assessing and analyzing the best solutions for SME clients. 
•Strong client and relationship management skills as well as outstanding interpersonal skills. 
•Will cover some primary regions and sectoral focus as per the Exim bank retail banking strategy. 

QUALIFICATION AND SKILLS
•Business/economics/accounting related degree.
•MBA will be an added advantage.
•Background in a SME/Commercial banking environment of which minimum 2 years should be of managing SME/Commercial clients relationships.
•Sound understanding of corporate treasury products, trade finance products, personal banking products and international banking products.
•Strong credit appraisal and marketing skills, with the ability to interpret complex financial information.
•A good understanding of the general, economic, political and business environment of the country.
•Strong awareness of internal networks and systems and good Personal Communication skills.
•Excellent communication (written and verbal) and negotiation skills.