Vacancy title:
SME Relationship Officers
Jobs at:
Finance Trust BankDeadline of this Job:
04 February 2022
Summary
Date Posted: Friday, January 21, 2022 , Base Salary: Not Disclosed
JOB DETAILS:
Mobilise, Monitor, identify potential SME clients, appraise loans /Over Drafts, grow the trade finance business, Grow deposits and carry out disbursements in accordance with the bank’s procedures.
Key Result Areas:
• Market the bank’s products and services by cross-selling them to the customers.
• Identify and develop the bank’s SME business relationships, generate new business lines and new customers to achieve defined sales targets.
• Grow the trade finance portfolio in line with the Corporate objectives of the Bank, through excellent customer service delivery and efficient and accurate processing of trade finance transactions.
• Screen all potential SME /Corporate borrowers for eligibility by conducting financial and non-financial analysis, reviewing and analyzing all SME /corporate credit applications for accuracy, completeness, and compliance with the bank’s policies.
• Discuss loan terms and conditions, conduct a collateral risk analysis to ensure compliance with the bank’s policies and procedures.
• Participate in the loan approval committee at the branch.
• Prepare and forward clients’ requests for uncleared effects, overdrafts, Guarantees, ensuring that all required documents are acquired and filed in line with the bank’s policy.
• Monitor the growth and quality of the SME portfolio and recommend remedial action in line with the bank’s policy.
• Manage delinquency through monitoring of the Portfolio At Risk (PAR) and the non-performing loans and receiver loans to avoid arrears.
• Manage customer relationships through a proactive and consultative approach so as to create and maintain a clientele base for profitable business especially with SME’s within your area for operation.
• Proactively manage the customer experience by staying in touch with the customer, resolving customer queries, and processing requests on time.
• Prepare daily, weekly and monthly, reports for loan recoveries, sales, and new accounts opened.
• Minimize risks through adherence to KYC compliance as per the bank policy and procedure in all your operations.
• Perform any other duties as may be assigned by your supervisor from time to time.
• Mobilise for deposits;
• Mobilise for off -balance sheet items.
Minimum educational and technical competence requirements:
• A Bachelor’s degree from a recognized university
• Over 4 years’ experience in lending and loan portfolio management
• Experience in Customer Relationship management will be an added advantage
• High level of business acumen and understanding of business relationship management.
• Good understanding of sales management and branch banking business.
• Excellent communication and stakeholder management skills.
• Understanding of the Corporate and commercial Banking business environment.
• Good personal presentation skills.
• Business analysis skills.
• Ability to work under pressure in order to meet deadlines.
• Good teamwork skills.
• Flexibility to travel upcountry
Work Hours: 8
Experience in Months: 48
Level of Education: Bachelor Degree
Job application procedure
Suitably qualified candidates should address their email application to Head, Human Resource, Finance Trust Bank, Plot 115 & 121, and Katwe. P.O. Box 6972, Kampala, Uganda, and email it to jobs@financetrust.co.ug . As well as photocopies of academic testimonials, and a CV. The CV should include telephone contacts and email addresses of three referees, one of who should be the most recent employer.
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