Manager, SME Employment Opportunity – Tropical Bank Limited

Job Title:    Manager, SME
Organisation: Tropical
Bank Limited
Duty Station: 
Kampala, Uganda
Reports to: Head
of Retail
About US:
Tropical Bank
Limited was established in 1973 under the name Libyan Arab Uganda Bank for
Foreign Trade and Development. Tropical Bank Limited is jointly owned by the
Governments of the Republic of Uganda 0.03% and the Libyan Foreign Bank (LFB)
99.97% of Paid-up Capital. The Bank provides professional and personalized
commercial banking services to various sectors of the economy including
financial support to Parastatals, Corporates, Small and Medium Enterprises,
Individuals, and Non-Governmental Organisations.
Job Summary:  The Manager, SME will implement and execute
the business strategy of the bank in relation to growth in the SME portfolio as
well as direct and supervise Relationship Officers – SME to drive growth in
line with the approved targets.
Key Duties and Responsibilities: 
  • Provide a relationship based offering to the small and medium
    enterprises, through a proactive highly personal approach to meet the
    financial needs and service expectations of all clients in this segment.
  • Proactively manage the SME portfolio to maximize revenue for the
    bank in terms of fees, margins and sales, minimize costs and risks, whilst
    maintaining the customer’s relationship with the bank.
  • Acquire new customers in terms of savings and loans as per the
    criteria outlined in the segment value proposition and reflected by the
    segment strategy and sales targets.
  • Conduct a needs analysis with all new and existing customers to
    ensure that product opportunities identified are appropriate to meet the
    customers’ needs and expectations.
  • Plan a comprehensive contact management program for all customers
    within the portfolio and act on the calling program as planned to ensure
    that all customers are contacted, to meet customers service expectations,
    improve knowledge and understanding of the customer ( i.e. source of
    income, frequency of income ) and identify additional customer needs
    resulting in cross sales.
  • Ensure that customers are well informed about the available bank
    products.
  • Retain ownership of customer requests, complaints and applications,
    follow every task through to completion keeping the customer updated on
    progress.
  • Participate in setting growth and quality targets and ensure timely
    communication of such targets at least one month before commencement of
    the performance period.
  • Drive growth of the SME portfolio by working closely with branches
    to identify new business opportunities and grow the existing
    relationships.
  • Train Relationship Officers-SME’s in credit underwriting techniques
    and ensure continuous improvement in the quality of the credit
    underwriting
  • Monitor the quantitative and qualitative performance of the SME
    portfolio and identify problem accounts that may require early action to
    mitigate default and submit periodic credit reports.
  • Through training and working with Branch Managers ensure that credit
    documentation standards as laid down in the credit policy are met at all
    times to ensure acceptable risk and audit ratings.
  • Review the business and market environment on a regular basis to
    ensure that the institution’s SME products remain competitive and
    Develop/recommend changes to the existing SME products in line with the
    bank’s objectives and the industry best practices.
  • Carry out regular reviews and visits to existing customers to
    monitor the performance of the existing SME credit facilities and furnish
    reports to management of the findings.


Qualifications, Skills and Experience:
  • The applicant for the Tropical Bank Limited Manager, SME job
    placement must hold a bachelor’s degree in a business-related field such
    as Business Administration, Commerce, Accounting, Finance, Economics and
    Statistics
  • Master’s degree in Business Administration or in any of the above
    fields or a professional qualification such as ACCA is a strong added
    advantage
  • Five years of experience in banking
  • Industry best practices and current developments
  • Economic sectors and trends
  • Credit management practices and underwriting skills
  • Basic knowledge of principles, regulations and laws relating to land
    transactions, contracting and collateral documentation perfection Skills
  • Relationship management
  • Experience in training
  • Products development
  • Communication skills
  • Integrity
  • Professionalism
  • Analytical skills
  • Leadership skills
  • Creative and innovative thinking
How to Apply:
If your
qualifications and experience match those described above please send a
detailed application together with your CV, copies of your academic
certificates and transcripts and a cover  letter of not more than 2 pages
explaining why you consider yourself to be the best suited candidate.
Send to:
Head of Human
Resource, 
Tropical Bank
Limited,
Plot 54 Lugogo
Bypass (Rotary Avenue)
P.O. Box 9485,
Kampala
Deadline: 9th July 2018 by 5:00pm
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