The  Relationship  Officer  –  SME  reports  to  the  Relationship  Manager  and  is  responsible  for  recruiting  and  nurturing  new  SME  business  deals,  grow  the  existing  relationships,  monitor  and  maintain  the  Bank’s  Business  portfolio  within  manageable  risk  spheres  to  enhance  profitability.

Specific  responsibilities;
• To  recruit,  nature  and  sustain  new  SME  relationships  that  have  a  potential  to  grow  and  provide  superior  returns  and  contribute  towards  assets  and  liabilities  growth  as  per  set  targets.
• Active  pipeline  management  with  the  objective  to  meet  agreed  personal  growth  objectives  across  all  product  ranges  and  clients’  segments;
• Superior  management  of  the  client  portfolio  to  grow  and  retain  existing  business,  whilst  continuously  reviewing  existing  client  wallets  with  an  eye  to  optimizing  the  Bank’s  revenue  through  selling/promoting  appropriate  product  bundles.
• Actively  undertake  the  negotiation  and  structuring  of  transactions  in  the  prospective  and  closing  stages  with  the  aim  of  attaining  value  for  the  client,  while  protecting  the  business  interests  of  the  Bank
• Work  hand-in-hand  with  other  stakeholders  on  the  timely  and  efficient  preparation  of  high-quality  credit  proposals,  and  drive  turn-around  time  well  within  the  Bank’s  objectives;
• Vigilant  arrears  management  in  line  with  the  Bank’s  policies  in  order  to  spot  early  attention  areas  –  the  objective  is  to  maintain  the  loan  portfolio’s  NPA  percentage  (well)  within  agreed  parameters;
• Constantly  explore  the  enhancement  of  the  Bank’s  brand  name  so  that  the  Bank  holds  out  to  the  target  markets  as  one  of  the  best  in  the  corporate  field  in  terms  of  service,  innovation,  and  customer  awareness/responsiveness.
• Develop  and  maintain  well  documented  reports/visits/contracts  with  all  the  Bank’s  relationships,  management,  and  other  units.

Minimum  Academic  Qualifications:  
• Diploma  or  bachelor’s  degree  in  any  discipline
• 2  Principal  passes  at  A’  Level
• Credit  and/or  Pass  in  English  and  Mathematics  at  O’  level.

Required  Experience.
• At  least  3  years’  experience  as  a  Credit  Officer  or  Loans  Officer  in  a  Financial  Institution.

Person  Specifications:  
• The  candidate  must  be  able  and  willing  to  ride  a  motorcycle.
• Should  be  willing  to  work  in  any  part  of  the  country  where  Pride  operates.
• Must  have  critical  thinking,  analytical,  attention  to  detail  and  problem-solving  skills.
• Good  verbal  and  written  communication  skills
• Understanding  of  the  Banking  environment.
• Advanced,  computer  literacy,  numerical  skills  and  statistical  skills.
• Team  player,  ability  to  work  under  pressure  and  in  position  to  exercise  excellent  judgment.

Desired  behaviors:  
• The  ability  to  communicate  clearly  both  verbally  and  in  written  form.
• Ability  to  build  functioning  working  relationships  across  organizational,  corporate,  and  cultural  boundaries.
• Should  be  fluent  in  commonly  used  local  languages  in  the  respective  regions.
• Should  not  be  more  than  40  years  of  age.