Main Responsbilities:

Business Development: Proactively identify, acquire, and manage SME clients with financing needs to grow the loan portfolio. Portfolio Transfer: Bring an existing network of clients and relationships, with the ability to transfer part or all of a performing SME loan portfolio to our institution. Loan Origination: Assess loan applications, perform due diligence, prepare credit proposals, and ensure timely approval and disbursement of loans. Relationship Management: Maintain and deepen client relationships by offering tailored financial solutions and ensuring high levels of client satisfaction. Credit Quality: Conduct thorough credit assessments to ensure loan quality and minimize delinquencies. Target Achievement: Meet or exceed agreed business targets in terms of loan volume, yield, and portfolio quality. Collaboration: Work closely with internal departments (credit, risk, operations) to ensure smooth loan processing and client onboarding. Market Intelligence: Keep abreast of market trends, competitor activities, and regulatory changes affecting the SME sector.

Duties and Responsibilities :

Conduct field visits to clients' businesses for evaluation and monitoring. Structure loan products based on business cash flows and financing capacity. Monitor repayment behavior and proactively manage early warning signals to reduce NPLs. Prepare comprehensive credit appraisal reports for submission to the credit committee. Cross-sell other financial products relevant to SME clients. Support collection efforts where necessary and ensure timely loan renewals. Maintain accurate and updated client records in the loan management system. Provide feedback and suggestions to enhance loan products and improve internal processes. Participate in training and development sessions to stay updated with best practices and policies.