Key Responsibilities

% of Time

Performance tasks

1.  Commercial enablement

20%

• Ensures that the products assigned are aligned with company objectives and strategy and provide a competitive edge.
• Leads sales efforts to achieve disbursement targets.
• Engages and manages key stakeholders such as traders’ associations’ leaders, market queens and employers to win their support for the company’s commercial efforts.

1. Disbursement and portfolio growth

40%

• Reviews and approves the sales plans of credit officers and relationship managers on ongoing basis.
• Proactively manages pipeline conversion with the goal of achieving agreed disbursement targets.
• Reviews loan applications for completeness and accuracy and liaises with Risk for timely approval of loans.
• Ensures that disbursement and portfolio growth targets are consistently achieved.

1. Asset quality

30%

• Ensures that loan underwriting meets the standards set.
• Ensures full compliance with loan monitoring portfolio management procedures.
• Responsible for attainment of portfolio quality targets for the assigned book.

1. Team Management

10%

•  Ensure all loan staff are trained to execute their duties to the standard required

•  Continuous training and coaching of all staff to achieve their sales and portfolio quality targets

•  Conducts performance evaluation of team members and provides regular feedback on performance

Knowledge, Skills, Qualifications and Experience required for this Role

• At least 8 years’ experience in SME lending institution, bank or development institution, 4 of which should be in supervisory or managerial capacity.
• Bachelor’s degree in business management, commerce, business administration or related field
• Practical experience in managing and supervising SME credit operations gained from a similar or a related banking or financial institution;
• Practical experience in setting up and implementation of credit and risk management policies, practices, procedures and guidelines.
• Knowledge and experience in lending, credit and risk management, client screening, collateral, product design, loan approval processes, repayment terms and incentives, delinquency and default management.
• Understands the trends and scope of credit methodology in the finance and banking industry, and its impact on the company’s activities.
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