Provide proactive business banking sales and relationship management that will nurture and grow a portfolio of SME customers by identifying and offering value adding and specialised bank financial product solutions.

1. Analyze the geographical and environmental factors affecting the Branch to be able to
   understand its commercial potential and competition
2. Periodically analyze the customer base of the branch and portfolio
3. Monitor and action daily referrals/leads within set time lines
4. Ensure weekly sales plans are in place
5. Manage the loan portfolio by active participation in watch list meetings, monitor/manage
   pre-Non Performing Loans (NPLs) and fully recover bank funds
6. Support in the timely and efficient preparation of business documentation to facilitate
   faster turn-around-time and closure of customer requests; such may include but not
   limited to-preparing bid bonds, performance guarantees and invoice discounting.
7. Optimize cross-selling opportunities and provide comprehensive financial advice to
   clients on all services they seek to revel in with the Bank and facilitate them to access
   such solutions.
8. Support in the preparation of the arrears and excesses reports to be used by the RAC
   committee in assessing the performance of the portfolio at risk.
9.  Maintain relationships with clients by providing support, information, and guidance;
   researching and recommending new opportunities; recommending profit and service
   improvements.
10. Identify, grow and sustain customer relationships that can provide superior returns and
    contribute towards the growth of the Bank as per set targets.
11. Receive and verify customer documents for account opening, loans, account
    amendments and any other customer instruction as per the Bank’s set guidelines
12. Prepare and maintain well documented reports on accounts opened, KYC, call visits to
    clients to be used in relevant management decisions.
13. Collect, process and follow up on customer complaints and provide feedback to
    customers.
14. Assist to enhance staff accomplishments and competence by planning delivery of
    solutions; answering technical and procedural questions for less experienced team
    members; teaching improved processes and coaching team members.
15. Carry out any other duties that may be assigned to you from time to time.

The Bank reserves the right to amend, modify, or adjust the responsibilities of this position as business needs evolve, in alignment with applicable labour laws. The Employee may also be required to undertake additional duties or projects from time to time, within their capabilities and consistent with the responsibilities of the role, as directed by the Employer.

• Net growth in SME credit book(Education,Contractors)
• Off balance credit book growth (Guarantees and Lcs)
• Net growth in retail credit book
• Net growth in funded account
• Net growth in deposits
• Share of active customers using e-channels (wallet,ib)
• BOA mechant activity rate
• Agent banking activity rate
• Share of active customers should be >80%
• Portfolio at risk of credit book (PAR30 days) should be <5%
• KYC rating of the branch
• Average score of attempted quiz tests should be >80%

1. Education: A university degree in Finance, Marketing, Banking or any related field from a
   recognised university;
2. Experience: 3 years’ experience in banking/Sales
3. Strong track record in Sales Management.
4. Good knowledge of risk management and credit principles
5. Excellent understanding of the Bank, its strategy and all of its Banking services.
6. Advanced, computer literacy, numerical skills and statistical skills.
7. Very strong verbal and written communication skills.
8. Strong leadership and interpersonal skills
9. Team player with the ability to work under pressure, and in position to exercise excellent judgment.

• Willingness to travel for stakeholder meetings, regulatory consultations, and operational reviews as
  needed.
• High ethical standards and a commitment to the values of the Bank.

By signing below, both parties acknowledge that they have read, understood, and agree to the responsibilities, expectations, and requirements outlined in this Job Description for the role. Both parties also acknowledge that the Bank may adjust the duties and key performance indicators of this position in response to evolving business needs.