Regional Manager - SME Credit at Equity Group Foundation

Job description

Job Purpose

To establish and maintain long‐term ‘relationships of value’ with an identified group of small and medium sized businesses that are based upon trust, transparency; thereby managing risk and maximizing commercial benefit to both parties. Additionally, the role holder will be required to manage a team of business client advisors - coordinate, drive and track performance of the individuals within this team in line with the banks SME banking strategy.

Key Responsibilities

• Coordinate work of the SME teams in the branch - supervise and guide the work of business client advisors.
• Client acquisition - develop new client relationships and to enhance segment sales and market share.
• Client relationship management- actively manage business client portfolio by segmenting the SME market and prioritise the optimum contribution of both time and resource.
• Cross selling banking products- link product sales opportunities to identifiable business need and meet them through the suite of SME Banking products available
• Maximize sales opportunities and capture all fee income available from business customers
• Compiling credit application documents - present loan applications in an optimum manner that reflects the systems and process in place within the Bank.
• Managing loan portfolio quality (PAR)- through adherence to the banks credit risk policy requirements.
• Monitoring individual business and overall portfolio performance with due care and diligence.
• Actively promote Equity Bank’s SME Product & Service offering
• Deliver high quality, innovative service to all customers

Desired Qualifications

• Bachelor’s Degree in a Business related field
• 5 years’ work experience in preferably in credit
• Excellent organisation skills
• Good Interpersonal and communication skills

Key Critical Competencies, Skills and attributes

• Has an appreciation of the broader economic and market context within which Kenyan businesses operate
• Understands the complexity and nuances of the entrepreneurial personality and takes into account during day‐to‐day interactions
• Demonstrates insight into the culture of the business and the pressures and challenges that impact upon owner‐managers
• Enthusiastic professional, who seeks opportunity, takes initiative & is accountable for outcomes
• Possesses drive, ambition and is action‐orientated
• Understand customer’s business and its needs; and uses evaluation criteria through analysis of short‐term financial statements
• Uses appropriate analytical and diagnostic techniques to gain a complete (holistic) overview of current businesses performance;
• Understands the dynamics of business growth and the criteria (including key performance indicators) that attach to a healthy business; and
• Provides feedback with clear explanations and avoids financial jargon
• Explains the information needs of the Bank in a structured, clear and precise manner
• Demonstrates strong financial acumen and the ability to interpret business performance through analysis of available financial information;
• Understands Equity Bank’s risk appetite, credit processes and approval criteria
• Understands the type of relationship that businesses desire from the bank and banker and performs accordingly;
• Identifies early or latent potential within a customer relationship; and positions Equity Bank as a strategic business growth partner to its business customers.
• Understandings Equity Bank’s product offer
• Strives for high quality performance and takes initiative to make improvements and deliver results
• Treats people with courtesy and respect;
• Encourages cooperation, collaboration and partnership;
• Adds‐value to business relationships beyond providing access to financial products; and
• Builds relationships as a means to mitigate risk and exposure for the Bank.
• Demonstrates accountability, discretion and sound judgment
• Motivates by example and stimulates positive changes in behavior
• Acts as business customer’s advocate and champion within the Equity Bank system.