Job Description

KEY RESPONSIBILITIES:

1. Marketing new Business and managing existing Business to enable the bank realize revenue targets which are prescribed without compromising on credit risk appetite.

2. Grow and monitor the Business banking asset and liability portfolio with ultimate aim of ensuring that it remains profitable and of quality. Particularly responsible to grow the Business Tier 1 portfolio as per the bank Business strategy and in the region assigned.

3. Maintain excellent relationship with existing and prospects Business clients to sustain Business growth and increased wallet share and customer profitability.

4. Initiate credit facilities through in-depth quality preliminary analysis. Process credit applications within stipulate TAT to ensure delightful customer experience.

5. Resolve retail Business customer inquire to improve customer satisfaction.

6. Prepare weekly sales report, Monthly portfolio report including credit reviews, monthly pipelines.

7. Monitoring loan facility, detect and restore to performing, all debts falling into arrears to performing debts with aim to insure minimum portfolio at risk. Properly handover to recovery units all loans downgraded to the grade 3.

8. Promote alternative channels through raising the usage of internet banking, Mobile banking, and cards by Business customers. Acquire, train, and ensure retention of merchants & Agents through effective relationship management.

9. Manage strategic partnerships important for Business Banking Growth.

10. Maintain and grow the Biashara Club proposition through onboarding of new members and retention of existing members

    DAILY RESPONSIBILITIES:

1. To prepare daily, weekly, and monthly Business performance report

2. To meet, identify and evaluate customers' or prospects' financial needs to mobilize new accounts, deposits and quality loans

3. To monitor the utilization of drawn facilities and prevent migration to NPL and overdrawn accounts.
4. Capture Business Banking credit applications in Credit Quest.
5. Mobilize deposits
6. Make customer’s (prospects, existing, agents, merchants and partners) call visits.

7. Biashara Club Management

   Academic & Professional

8. ParticularsDetailSpecific Field or QualificationNeed Type[1]Education Bachelors DegreeBusiness Related

   RQ

   Professional QualificationsBanking

   AA

   Masters DegreeMBA

   AA

Experience

Total Minimum No. of Years Experience Required

5

Detail

Minimum No of Years

Need Type[1]

Sales

3

Essential

Credit appraisal and lending

3

Essential

General Banking

3

Essential

Relationship Management

3

ES