Several SME Relationship Officer Job Opportunities – Finance Trust Bank (FTB)

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Job Title:    SME Relationship Officer (Several Job Opportunities)

Organisation: Finance Trust Bank (FTB)

Duty Station:  Kampala, Uganda

Reports to: Branch Manager

 

About US:

Finance Trust Bank was licensed as a Tier 1 Commercial Bank on 11th November, 2013, taking over the financial services business of Uganda Finance Trust Limited (MDI). Today Finance Trust Bank is a fully-fledged Commercial Bank serving a clientele of over 400,000 depositors and over 23,000 borrowers, through a network of 35 branches country wide. The Bank offers a variety of Products and services including; Savings, Current accounts, Loans, Money transfer services and Bills payments to its target market which comprises of micro, small and medium entrepreneurs, salary earners and youth.

 

Job Summary:  The SME Relationship Officer will mobilise, Monitor, identify potential SME clients, appraise loans /Over Drafts, grow the trade finance business, Grow deposits and carry out disbursements in accordance with the bank’s procedures.

 

Key Duties and Responsibilities:

  • Market the bank’s products and services by cross-selling them to the customers.
  • Identify and develop the bank’s SME business relationships, generate new business lines and new customers to achieve defined sales targets.
  • Grow the trade finance portfolio in line with the Corporate objectives of the Bank, through excellent customer service delivery and efficient and accurate processing of trade finance transactions.
  • Screen all potential SME /Corporate borrowers for eligibility by conducting financial and non-financial analysis, reviewing and analyzing all SME /corporate credit applications for accuracy, completeness, and compliance with the bank’s policies.
  • Discuss loan terms and conditions, conduct a collateral risk analysis to ensure compliance with the bank’s policies and procedures.
  • Participate in the loan approval committee at the branch.
  • Prepare and forward clients’ requests for uncleared effects, overdrafts, Guarantees, ensuring that all required documents are acquired and filed in line with the bank’s policy.
  • Monitor the growth and quality of the SME portfolio and recommend remedial action in line with the bank’s policy.
  • Manage delinquency through monitoring of the Portfolio At Risk (PAR) and the non-performing loans and receiver loans to avoid arrears.
  • Manage customer relationships through a proactive and consultative approach so as to create and maintain a clientele base for profitable business especially with SME’s within your area for operation.
  • Proactively manage the customer experience by staying in touch with the customer, resolving customer queries, and processing requests on time.
  • Prepare daily, weekly and monthly, reports for loan recoveries, sales, and new accounts opened.
  • Minimize risks through adherence to KYC compliance as per the bank policy and procedure in all your operations.
  • Perform any other duties as may be assigned by your supervisor from time to time.
  • Mobilise for deposits;
  • Mobilise for off -balance sheet items.




Qualifications, Skills and Experience:

  • The ideal candidate must hold a Bachelor’s degree from a recognized university
  • Four years of experience in lending and loan portfolio management
  • Experience in Customer Relationship management will be an added advantage
  • High level of business acumen and understanding of business relationship management.
  • Good understanding of sales management and branch banking business.
  • Excellent communication and stakeholder management skills.
  • Understanding of the Corporate and commercial Banking business environment.
  • Good personal presentation skills.
  • Business analysis skills.
  • Ability to work under pressure in order to meet deadlines.
  • Good teamwork skills.
  • Flexibility to travel upcountry

 

How to Apply:

All suitably qualified candidates should address their email application to Head, Human Resource, Finance Trust Bank, Plot 115 & 121, and Katwe. P.O. Box 6972, Kampala, Uganda, and email it, as well as photocopies of academic testimonials, and a CV to jobs@financetrust.co.ug. The CV should include telephone contacts and email addresses of three referees, one of who should be the most recent employer.

 

Deadline: 4th February 2022

 

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