The Ugandan Jobline

• 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.

• 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

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