Business Banker – SME

Responsibilities

Business Development and Relationship Management

• Develop, manage, and grow a portfolio of MSME and emerging business customers through proactive relationship management and solution-based selling.
• Acquire new-to-bank business relationships and deepen existing customer relationships through structured engagement and regular portfolio reviews.
• Grow customer liabilities through Transaction Accounts, Current Accounts, Savings Accounts, Fixed Deposits, and Cash Management solutions.
• Promote and sell the Bank’s comprehensive suite of Business Banking products and services, including lending, trade finance, digital banking, insurance, and investment solutions.
• Act as the primary relationship manager and trusted advisor for business customers, providing professional financial guidance tailored to their business needs and growth ambitions.
• Identify opportunities for customer value enhancement through cross-selling and upselling of relevant financial solutions.

Credit and Lending

• Drive growth of the business lending portfolio across working capital facilities, term loans, asset finance, mortgage finance, trade finance, and consumer lending products.
• Conduct financial analysis and credit assessments to determine customer funding requirements and recommend appropriate credit solutions.
• Prepare and submit quality credit applications supported by comprehensive financial and business analysis.
• Monitor portfolio performance and proactively manage credit quality, delinquency trends, and early warning signals.
• Ensure timely review and renewal of credit facilities in accordance with the Bank’s credit policies.

Trade Finance and Transaction Banking

• Originate and grow trade finance business, including Letters of Credit, Bank Guarantees, Import Finance, Export Finance, and other trade-related products.
• Identify opportunities to support customers involved in local and international trade through customized trade finance solutions.
• Drive adoption of digital banking and transaction banking solutions to enhance customer experience and operational efficiency.

Sales and Portfolio Management

• Develop and execute customer acquisition plans, sales strategies, and relationship management activities to achieve assigned business targets.
• Prepare and implement structured call plans, conduct customer visits, and maintain accurate call reports and pipeline management records.
• Leverage customer data and market intelligence to identify business opportunities, industry trends, and portfolio growth prospects.
• Manage customer retention initiatives and ensure high levels of customer satisfaction and service excellence.

Risk, Compliance, and Governance

• Ensure strict adherence to all regulatory requirements, internal policies, and operational procedures.
• Identify, assess, and mitigate operational, credit, compliance, and reputational risks within the portfolio.
• Ensure compliance with AML, KYC, CTF, and all applicable regulatory requirements.
• Report and escalate suspicious transactions and potential financial crime risks in line with established Bank policies and procedures.
• Maintain accurate customer information and ensure periodic customer reviews are conducted as required by policy.