PURPOSE OF JOB

SME Banking is part of Retail Banking division and provides services to businesses with a sales turnover up to TZS 5 Billion. As one of the highest growth areas of the Bank, SME is fundamental to the Bank’s strategy of growing sustainable income. Supporting businesses and lending to SME customers is key in articulating commitment towards Tanzania’s economic growth. The aim is to become the thought leaders in Business Banking Bank. This will be achieved by putting customers at the heart of everything we do and by leveraging our strength as a digital focused Bank.

KEY ROLE AND RESPONSIBILITIES

Identifying client needs, developing strategies and solutions to meet those needs.
Make sales to NTB customers, promote liability and asset products to achieve designated sales targets.
Conduct regular client visits for relationship building, retention & growth of wallet share
Transaction Banking Products & Services.
Undertake regular portfolio reviews to understand portfolio growth.
Leveraging internal stakeholders, business partners and products where appropriate.
Delivering the appropriate client experience and the right opportunities to grow that relationship further.
Provide a total business support service for SME clients to ensure their expectations are met and exceeded.
Must ensure compliance with these policies and procedures on an ongoing basis (AML procedures, reputation risk and miss-selling activities)
Balance between risk and reward of assets by effectively onboarding customer who meet the bank’s asset quality and policy requirements.
Portfolio monitoring to ensure growing a profitable portfolio by managing NPL to acceptable levels i.e. 5%

COMPETENCIES

A good understanding of the market dynamics and customer attributes.
The candidate need to be well organized, and someone who delivers on promises made to clients.
A good grasp of the financial, credit assessing and analyzing the best solutions for SME clients.
Strong client and relationship management skills as well as outstanding interpersonal skills.
Will cover some primary regions and sectorial focus as per the Exim bank retail banking strategy.

QUALIFICATION AND SKILLS

Business/economics/accounting-related degree.
MBA will be an added advantage.
Background in a SME/Commercial banking environment of which minimum 2 years should be of managing SME/Commercial clients relationships.
Sound understanding of corporate treasury products, trade finance products, personal banking products and international banking products.
Strong credit appraisal and marketing skills, with the ability to interpret complex financial information
A good understanding of the general, economic, political and business environment of the country.
Strong awareness of internal networks and systems and good Personal Communication skills.
Excellent communication (written and verbal) and negotiation skills.

OTHER

Carry out work in accordance with the banks procedures
Perform the assigned tasks with due diligence
Eliminate waste of whatever form, suggest the use of new practices and contribute to the continuous improvement of the bank

HOW TO APPLY

Please send your application to hrrecruit@eximbank.co.tz