•To provide strong support to client, acquire, grow and deepen SME Banking client relationships through effective relationship management, with special focus on SME clients’ total financial needs.
•Provide support to Relationship Managers and team in managing the portfolio of relationships.
Key Roles & Responsibilities
Sales and Relationship Management
•Drive client limit utilization and expand existing client relationships through pro-active contact, account planning, wallet sizing, and effective pipeline management.
•Answer client enquiries and address complaints either by directly following up on issues or referring them to the appropriate parties. Own the problems/issues and ensure that they are resolved satisfactorily.
Risk and Credit Monitoring
• Monitoring and seeking approval for excesses and put up temp limit application, if required. Review daily past due, excess re3ports, in-put action taken in these reports, and follow up with customers on the past due/excesses. Escalate to RM/segment head if necessary.
•Releasing of remittances and obtaining signature verification and seeking approval for excesses under Rapid Cash system.
•Assist in handling cheque clearance and rejection, IMEX offerings and obtain approvals as necessary.
•Assist in review planning and proactively chase customers for documents-financial statements, stock and debtor lists, insurance reports, valuation reports, etc (as required by RM).
•Assist Relationship Managers to obtain bank risk approval for SBLCs held as security.
•Conduct annual reviews (minimum 6 to 8 reviews per month).
•Seek extensions/waivers for compliance and covenants in BCA.
•Put up memo for those one-off covenants e.g. analysis financials and debtor’s aging.
• Seek extensions/waivers for documents etc. for SCC/DDN/partial SCC cases.
•Monitor and follow up on the RM for outstanding call reports and update SME operations accordingly.
•Put up review extensions on a timely basis.
•Follow up on amendments on BCA as required by Credit Operations to facilitate issuance of SCC.
•Help with all ad hoc reporting (eg. sales pipelines)/projects/ events required both onshore and offshore.
•Assist RMs in preparation of preferential pricing/waiver forms/BCA.
•University Degree in a relevant discipline or Relevant Professional Qualification
•Good knowledge and exposure to SMEs in Nigeria.
•Strong Communication and people management skills.
•Strong analytical skills.