Job Description

• Reports to       : Head, Small and Medium Business (SMB) Unit
• Locations        : Takoradi (Western Region) 

Purpose of the position:

• To acquire and manage a portfolio of Small and Medium Business (SMB) clients by providing accurate, reliable and timely information on the services of the Small and Growing Business Unit. The CRO will be the primary point of contact for all clients.

Major Responsibilities: 

• Generate a healthy pipeline of SMB clients across key economic sectors
• Implement agreed acquisition strategy
• Schedule and coordinate meetings with prospective clients, with the aim of providing information and acquiring clients  
• Interface with potential clients and work to address their needs.
• Coordinate the institution’s participation in key events aimed at creating awareness for the SMB Products and Services 
• Gather relevant client information for conducting good credit analysis, and prepare reasonable proposals for decision making.
• Provide relevant information for decision making in Credit Committees  
• Support the discussion of loan contracts with clients, and the disbursement of approved loans in accordance with all pre-disbursement conditions.
• Ensure that all post-disbursement conditions are met within the stipulated timeframe. 
• Track and monitor client repayments, identify and report repayment issues early, and implement corrective measures as necessary
• Support the client technical assistance program as required
• Prepare weekly trip planner to be discussed with Heads of SMB Unit 
• Ensure that all meetings scheduled with clients are attended on time and with the right preparation; this is critical for meetings where Head of Unit and other Senior Managers are involved  
• Participate in all credit committees whenever necessary.
• Prepare bi-weekly reports on all relevant activities and results for review and discussion with Unit Head 

Required Skills or Experience

• Any  Bachelor’s Degree relevant to the position
• At least two years’ sales and relationship management  experience with small businesses in a financial Institution 
• Knowledge of the local business context and value chains
• Good financial analysis skills
• Good communication and interpersonal skills
• Computer knowledge (Microsoft Office Suite, email, internet)
• Motivated , Committed to learn and a good  team player