Drive the SME Business to achieve and exceed Business goals through a dynamic business
growth strategy and vigilant Relationship Management within SME market segment that is
aligned with the overall Bank’s Mission.

1. Manage and provide profitable delivery of a proactive, value adding sales, solutions and
   service platform to our top SME clients.
2. Guide the SME Relationship Managers in scanning and structuring the SME market to
   recruit, nature and sustain new quality relationships and drive profitable balance sheet
   growth
3. Support the Relationship Manager’s in structuring/customizing credit loan facility options
   and parameters for credit approval.
4. Perform a strong seniority role and providing support to the Relationship Managers staff
   within the SME Center.
5. Drive and manage SME sales, Compliance, watch list and any other activities to be
   delegated by the Head of SME Banking
6. Drive vigorous sales process management; from prospecting to closure so as to ensure
   a healthy pipe-line of SME business with the aim of attaining continuity and meeting
   agreed business growth objectives across all product ranges and the SME market
   segments
7. Support the creation of customer insight through on-going portfolio analysis and
   formulation of focused and value-driven customer relationship management strategies
8. Uphold a culture of excellent service and quality relationship management in order to
   retain and develop customers, and expand the Bank’s wallet-share by ensuring
   compliance with the Service Charter.
9. Continuously monitor the business portfolio to ensure vigilant Covenants and Arrears
   Management in line with BOA policies in order to spot early-attention areas. The objective is to maintain the loan portfolio’s NPA percentage within agreed parameters
   and ensure customers meet the contractual obligations to the Bank
10. Constantly explore the enhancement of the Bank’s brand so that the Bank holds out in the
    target markets as one of the best in the SME field in terms of service, innovation and
    customer awareness/responsiveness.
11. Vigilantly monitor the market and industry trends, and competitor behavior to gather
    market intelligence, in order to advise and shape management response and the actions
    of the SME team to effectively manage opportunities and threats, with the aim of
    maximizing business performance

• A university degree in Finance, Marketing, Banking or any related field;
• 5 years’ experience in Financial Services Business Development
• Strong track record in Direct Selling, Sales Management and Relationship Management;
• Solid grasp of the Bank’s Policies, Processes and Procedures relating to Credit and Business;
• Solid grasp of the Bank’s business model, its strategy and all of its products and services;
• Solid grasp and interpretation of industrial and national economic trends;

• Leadership and team management skills
• Customer centricity, with a strong appreciation for client behavior
• Solid business acumen and financial skills
• Solid and proven credit risk management
• Good facility structuring and negotiation skills
• Strong decision-making, conflict resolution and problem solving skills
• Very strong presentation, verbal and written communication skills
• Team player with strong interpersonal skills and the ability to build internal and external
  networks
• Ability to work under pressure, and exercise excellent judgment