The Relationship Manager will be responsible for developing and managing a portfolio of MSME  clients, identifying business opportunities, and ensuring seamless delivery of banking solutions. The role demands  a strong focus on business development, portfolio growth, risk management, and cross-selling to maximize MSME  revenue. 

Key Responsibilities: 

• Maintain a high level of client satisfaction in generating, managing and servicing a portfolio of MSME clients  while ensuring the bank becomes the choice for their Investment and Banking. 
• Identify and pursue new business opportunities to expand the MSME portfolio. 
• Drive sales of MSME Banking products, including lending, deposits, and investment solutions. 
• Develop and maintain a pipeline of potential clients and actively convert leads into business. 
• Responsible for sales, self-management, credit analysis, proper loan structuring, applicant interviewing,  and perceptive character judgment. 
• Maintain high professional standards and strive to provide quality services and competitive pricing to clients. 
• Leverage existing client relationships to cross-sell the bank’s full range of financial products. 
• Ensure exceptional client service by addressing client needs and providing tailored financial solutions. 
• Performing to plans as agreed, to drive profitability and increase market share. 
• Monitor MSME portfolio performance, ensuring delinquencies and non-performing loans (NPLs) remain  within acceptable thresholds. 
• Work in close co-operation with Business Intelligence, Credit and Risk teams to ensure that impairments  and losses are kept at a minimum 
• Ensure recoveries for own portfolio are done daily and maintain the NPL to below set targets. 
• Ensure full compliance with KYC, AML, and regulatory requirements, maintaining up-to-date client  records. 
• Adhere to the bank’s policies, standard operating procedures, and central bank regulations. 
• Managing your own portfolio and ensuring that risk profiles (book mix) are managed by sales of the  correct products within approved risk management criteria. 
• Coordinate with Credit Department to ensure applications are processed within agreed TAT and escalate  violations to the Head – MSME. 
• Work in close co-operation with the Credit teams to ensure all necessary documentation is completed and  all the procedures have been adhered to prior to drawn down. 
• Any other official duty that may be allocated from time to time. 
• HR Department Doc.   

The Person:  

• The ideal candidate must possess the following:  

Qualifications/Experience:  

• Bachelor's degree in finance, business Administration, organizational development, or related field. 
• Minimum 7 years of experience in MSME banking, with at least 5 years in a business development role. 
• Strong knowledge of credit analysis, risk assessment, and structured financing. 
• A master’s degree qualifications and experience are an added advantage. 
• Proven ability to build and manage high-value MSME relationships. 

Method of Application

ALL applicants MUST apply online to the email; closing date  is 16th May 2025 Canvassing will automatically disqualify the candidate. Only shortlisted  candidates will be contacted. 

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