SME Manager

Description

• The SME Relationship Manager will play a key role in the execution of strategies aimed at growing the loans and deposit base of the bank with Small and Medium Enterprises
• The duties shall include targeting prospective and existing clients within the specified market for deposits and loans and as such will include preparing proposals to solicit deposits, performing due diligence, financial analysis, risk assessment, maintaining relationships, deal structuring and expediting credit submissions for approval

Duties

• Responsible for managing a portfolio of high tier Small Medium Enterprise (SME) clients, including evaluating their loan applications, conducting credit reviews, marketing and cross selling a wide range of banking products and services
• Achieving set objectives by proactively managing relationship with existing and developing/building relationships with new SME Clients
• Enhancing the marketing process for credit facilities (Up-Selling) and coordinate with other SBU ‘s (Cross Selling)
• Ensure steadiness and growth for both Credit Facilities and Deposits portfolio’s (simultaneous Growth)
• Liaise with segments to provide high quality service levels and ensure adequate turnaround times
• Implementing field visits to SME clients
• Adherence to required Loan processing TAT, required accuracy levels, OD and other Credit limit renewals and satisfactory audit rating
• Build rapport and develop meaningful networking to maintain account relationships with both existing and prospective clients
• Ensure the overall Small Medium Enterprises Value Proposition is consistently delivered
• Ensure that the overall customer experience for the client is consistent and of the highest standard
• Customer complaints are resolved expeditiously and where issues need to be escalated they are documented and actioned within agreed service delivery timeframes
• Understand the different potential client profiles and the unique CVP
• Demonstrate a detailed understanding of the customer’s pain points and continuously work to ensure that these are addressed at each stage of the customer journey interaction
• Strict adherence to the Group’s guidelines governing Small Business Financial Planning Conversation
• Demonstrate thorough knowledge of the Group’s Financial Solutions, the benefits of each and the profile clientele for which each solution is best fitting
• Expert knowledge of the range of financial solutions available to assisting Small Business to grow their businesses and become financially empowered

Requisites

• Essential Qualifications - NQF Level:
• Advanced Diplomas/National 1st Degrees
• Preferred Certifications:
• Bachelor Degree in Finance, Economics or Business
• Minimum Experience Level:
• Minimum of three (3) years’ work experience in Business Banking or Small Business Lending
• Excellent understanding of financial statements
• Ability to explain detailed financial and industry analysis
• Excellent oral and written communication skills, with experience in making oral presentations
• Ability to work under pressure, meet strict deadlines and demonstrate initiative
• Strong interpersonal skills
• Working knowledge of spreadsheet, word processing and presentation software is a must
• Result-oriented and able to work as a team
• Technical / Professional Knowledge:
• Banking procedures
• Business principles
• Communication Strategies
• Data analysis
• Governance, Risk and Controls
• Nedbank policies and procedures
• Principles of project management
• Relevant regulatory knowledge
• Decision-making process
• Cluster Specific Operational Knowledge
• Behavioural Competencies:
• Communication
• Decision Making
• Initiating Action
• Managing Work
• Quality Orientation
• Technical/Professional Knowledge and Skills

Notes

• Only shortlisted applicants will be contacted