Africa Management Solutions Limited (AMSOL) is the fastest growing Human Resources and Management consulting firm that offers an array of hr solutions tailored to accurately address all the human resource and management needs of any organization.Key Responsibilities Market and grow SME and institutional banking products including loans, deposits, and transactional accounts. Identify and onboard new SME, institutional, retail, and business customers. Appraise, review, validate, and process SME credit applications in line with lending policies and procedures. Prepare and present credit proposals to the relevant credit committees for approval. Maintain a quality loan portfolio while ensuring portfolio at risk (PAR) remains within acceptable limits. Monitor customer accounts and actively follow up on arrears to minimize delinquency and loan default. Drive growth in SME deposits and mobilize lowcost funds to support business objectives. Build and maintain strong customer relationships through regular visits, calls, and engagement activities. Act as the primary relationship contact for assigned SME and institutional customers. Crosssell banking products and services to maximize customer value and revenue generation. Maintain accurate customer records and relationship databases. Identify customer needs and provide proactive solutions and service support. Promote utilization of alternative banking channels and nonfunded income products. Ensure compliance with AML, KYC, operational procedures, and regulatory requirements. Support customer retention initiatives and maintain high levels of customer satisfaction. Participate in business development activities, branch initiatives, and teamwork programs. Prepare business performance and portfolio reports as required by management. Qualifications & Requirements Bachelor’s Degree in Commerce, Business Administration, Finance, Banking, Economics, Marketing, or a related field. Formal training in Banking, Credit Management, or Customer Service will be an added advantage. Minimum of 3 years’ experience in relationship management, SME banking, or business development within a financial institution. Experience in banking, microfinance, SACCO, or financial services sector is highly preferred. Experience in the same business is preferred. Strong understanding of SME lending, credit appraisal, and portfolio management. Proven sales, marketing, and customer relationship management capabilities. Good analytical, negotiation, and problemsolving skills. Strong communication, report writing, and presentation skills. Knowledge of banking operations, risk management, and compliance requirements. Ability to manage multiple customer relationships and meet business targets effectively. Key Competencies SME and institutional relationship management Business development and portfolio growth Credit appraisal and loan processing Deposit mobilization and customer acquisition Sales and crossselling capabilities Financial analysis and risk assessment Customer service excellence Communication and negotiation skills Compliance and operational risk management Teamwork and stakeholder engagement