Small & Medium Scale Enterprise (SME) Officer

Job Purpose

relationship management, credit origination, portfolio
management, and the delivery of tailored banking solutions, while ensuring compliance
with regulatory and risk standards.

Key Responsibilities

• Acquire and onboard SME customers to grow the business
portfolio.

• Develop and maintain strong relationships with SME
clients, identifyingopportunities for cross-selling and enhanced customer
value.

• Assess customer financing needs, prepare credit
proposals, and monitor loanportfolio performance.

• Drive growth in loans, deposits, and non-interest
revenue in line with assigned targets.

• Ensure compliance with credit, operational, KYC/AML,
and regulatoryrequirements.

• Monitor market trends, competitor activities, and
emerging business opportunities within the SME sector.

• Collaborate with internal stakeholders to deliver
efficient customer service and operational excellence.

Key Performance Indicators (KPIs)

• SME customer acquisition and retention

• Loan and deposit portfolio growth

• Revenue and profitability performance

• Cross-sell and product penetration rates

• Portfolio quality (PAR/NPL management)

• Credit processing turnaround time

• Compliance and audit ratings

Requirements

Qualifications &
Experience

• Bachelor’s degree in finance,
Economics, Business Administration, Accounting, or

a related field.

• 2-5 years' experience in SME,
Commercial, or Business Banking, Sales, or

Relationship Management.

• Experience in customer
acquisition, credit analysis, and portfolio management.