NAFASI YA KAZI :- SME – Senior Manager at Bank of Africa

Reports to: Head of Retail Banking

Department: Commercial Banking

Position Functions:

Develop, expand and maintain a portfolio of SME and Mortgage clients for the bank, to achieve set budgets within overall bank objectives.
Managing and maintaining the entire Bank of Africa’s SME portfolio of all branches in numbers and value.
Monitors risk and ensures debt collection
Improve and updates customer & prospect database

Key Responsibilities:

Overall SME portfolio in charge, managing and maintaining the entire Bank of Africa’s SME portfolio of over all branches.
Assessing portfolio at risk, minimizing NPA and maintaining the quality SME portfolio.
Recruiting new SME Clients for both assets and liability portfolios.
Minimize non-performing assets by proactively following up according to the bank’s credit policies and procedures up on unpaid arrears and excesses.
Managing and guiding all SME Relationship Managers and the banks Relationship Officers to ensure a sound SME portfolio is maintained at the bank.
Receiving, Appraising and recommending all SME proposals to Head of Retail/DMD Business Analysis Unit.
Work hand on hand with SME Relationship Managers on growing and maintaining SME portfolio.
Managing defaulting facilities and determining appropriate workout strategies to minimize loss, including proposals for restructuring exposure as appropriate for approval.
Writing weekly sales performance and business pipeline reports across all product ranges in SME.
Plan for sales activities on a weekly basis and make visits to targeted customers & prospects in line with BOA Sales practices and guidelines and ensures a optimized transformation rate ( Strike rate).
Prepare a weekly report based on the sales activities, analyzing with SME Manager the achievements and planning for corrective actions in case of variances.
Monitoring the overstepping reports and advising accordingly.
Monitoring risk and debt collection.
Manage a portfolio of SME and Mortgage customers, focusing on increasing product penetration, profitability and customer satisfaction.
Develop, maintain and expand relationships with SME AND Mortgage customers, with an aim of attaining good quality asset book.
Ensure compliance with credit and regulatory guidelines.
Collects, processes and follow up complaints and proposes solutions.
Any other duty as may be assigned by Line Manager.

Technical Know How:

Management skills
Excellent customer service capabilities
Negotiations and conflicts resolution skills
Documentation and process management skills
Excellent interpersonal skills
Strong leadership and management skills
Decision making skills
Sufficient knowledge and understanding of the market
Team building & conflict management
Knowledge on credit risk and process
Knowledge of all relevant banking policies, process, procedures, prudential guidelines and guidance to consistently achieve required compliance standard or benchmark
Interpret, analyze and evaluate data received from multiple source of information
Excellent planning, organization and execution skills
Product knowledge
Customer care skills
Planning, organization and execution skills

Competences, Knowledge & Experience:

University degree in either Business Administration Commerce, Finance, Economics, Marketing or relevant fields.
Not less than 4 years of experience in Sales, Marketing or any financial Institution
Excellent communication and interpersonal skills
Excellent selling and networking skills
Management Skills.
Presentation Skills.
Good negotiation skills
Good team player
Excellent customer service skills
High level of innovativeness and creativity
Positive and flexible attitude towards change and competition
Out-going, self-motivated, assertive and proactive
Good Presentation and decision making skills