Job Opportunities at Dorbe-Leit Solutions Limited

Job Purpose
The job holder will be responsible for business development & growth of the Small & Medium Enterprises (SME) portfolio by working closely with Senior Management, Leadership team, Branch Management teams, Credit and other stakeholders in the Bank.

Key responsibilities
• Implement of the SME business strategy in line with the Bank’s overall strategy and business growth plan.
• Work closely with stakeholders in Senior Management, Leadership team, Branch Management teams and Credit to increase market share of the SME segment in terms of customer numbers, products and service consumption and revenues while proactively reducing the non-performing loan book
• Drive sales through effective leadership, guidance and performance management process within the branch network and relationships
• Working directly with Branches and SME officers to drive account utilization and hence cheap and stable deposits.
• Drive transactional income from SME clients through effective customer service and cross selling the entire range of banking and banc assurance products and services.
• Identify and capitalize on new market opportunities to expand presence, competitiveness and profitability by proactively selling products and services.
• Improve the business environment and raising the profile for the SME business segment in the Bank.
• Establish profitable banking relationships with SME clients by providing high quality banking and other financial services to SMEs where the Bank operates.
• Advise the Bank on SME market analysis and segmentation with regards to SME financial products, SME credit Risk evaluation processes, loan monitoring, collections and debt recovery procedures.
• In liaison with other stakeholders, ensure quality portfolio by effective identification of risks and their mitigations.
• Represent the Bank and business unit in forums, meetings and fast track the implementation of the relevant agreed action points.
• Conduct any other duties that may be assigned by the supervisor.

Credit appraisal & approval
• New business acquisition in the SME segment.
• Ensure customers receive prompt feedback on the fate of their applications.
• Make appropriate recommendations for cases presented to the various Credit Committees especially Credit-Exco and the Board.

Marketing of the Bank products
• Attracting new businesses and expanding current business.
• Good customer care and relationship management.
• Assisting in the cross-selling of all the Bank products.

Monitoring and Control of the SME Banking portfolio
• Ensuring compliance with Bank’s Credit Policy and Government regulations.
• Regularly monitor all performing accounts.
• Maintain and evaluate quality of Loans to ensure compliance with lending guidelines.

Staff functions
• Adopting a proactive and energetic work style to enhance customer/ interdepartmental /branch delight.
• Offer advice to Branches and the SME staff on matters and issues relating to SME credit appraisals.
• Upholding the required professional and technical knowledge by attending and contributing to the appropriate training programmes

Bank-wide AML KYC & CFT Responsibilities
• Communicating and reinforcing the AML-CTF compliance culture established by the board
• Implementing and enforcing the board-approved AML, KYC & CFT policy within the Department, Unit or Branch

Minimum Requirements
• A degree in a business related field i.e. Bachelor of Commerce, Business Studies,
• Economics or Banking/Finance
• Formal training in lending/Relationship management
• At least 7 years of managerial experience with proven track record for delivery of superior results
• Experience in relationship management

Key Performance Indicators (KPIs)

• Growth in number of clients
• Growth in customer deposits
• Growth in quality loan book
• Timely loan disbursement and repayments
• Portfolio quality
• Profitability

Skills and Competencies
• SME Credit analysis skills
• Excellent sales/marketing, excellent presentation, communication, negotiation, customer service and relationship management skills
• Demonstrated leadership skills
• Ability to accurately plan work assignments, prioritize tasks and deliver deadlines
• Excellent analytical and problem solving skills
• Flexible – ability to travel across the country frequently

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Purpose Statement of the Position

The Merchandiser will play a pivotal role in ensuring that products appear in the right store or on website, at the appropriate time and in the correct quantities. The position is responsible for working closely with the buying teams to accurately forecast trends, plans stock levels and minor performance.

Duties and Responsibilities
• Delivery of all customer’s orders timely and efficiently.
• Ensure timely payment of goods sold and collection of cheques for all credit customers.
• Determines call schedule by reviewing priorities with supervisor; discussing special instructions, product promotions, new products, and price changes.
• Maintains customer relationships by visiting with store managers, department managers, and employees; answering their questions; responding to special requests; describing product features.
• Maintains store shelves by observing displays of company products; removing damaged or freshness-dated products; tidying store shelves; providing optimum display of products.
• Maintains inventory by restocking shelves with product from inventory; observing inventory levels; prompting store management to reorder when levels appear low; arranging for return and credit for damaged products.
• Completes call report by observing display and pricing of competitors' products.
• Helps field sales representatives with special promotions by setting-up displays at aisle ends; checking daily on special promotions; observing customer reaction to special promotions; forwarding observations to management; removing promotions at end of special promotion period.
• Provides information by reporting growth, expansion, or closing of supermarkets and any other stores in assigned territory.
• Maintains quality results by following and enforcing standards.
• Enhances merchandising and organization reputation by accepting ownership for accomplishing new and different requests; exploring opportunities to add value to job accomplishments.
• Answer customers' questions about products, prices, availability, product uses and credit terms.
• Build strong relationships with all the stakeholders in the market
• Identify prospective customers by using business directories, following leads from existing clients, and doing market storm.
• Monitor market conditions, product innovations, and competitors' products, prices, and sales
• Provide customers with product samples and catalogues
• Recommend products to customers, based on customers' needs and interests.
• Continuously improving through feedback analyse the territory/market’s potential, track sales and status reports.
• Analysing the territory/market’s potential, track sales and status reports.

Minimum Requirement

• A Diploma in Business related course.
• A minimum of 3 years Sales and Marketing or Merchandising experience in FMCG highly desirable.
• B2C sales experience.
• Certificate of good conduct.

Competencies and Skills required
• High interpersonal skills and ability to interact with people from all walks of life.
• Relationship and account management skills.
• Report writing skills
• Ability to prospect for, negotiate and close a business deal
• Negotiation skills
• Confident and bold
• Good planning and organization skills.
• Team player with proven leadership skills.
• Good decision maker.
• Ethical and holds high integrity
• Commercial awareness.
• Able to cope with pressure.
• Communication skills.
• Interpersonal skills.
• Leadership skills.
• Strong numerical and analytical skills.
• IT skills.