Reports to: Head of Retail

Department: Commercial Banking

Position Functions:

  • Ensure that SME business operations at head office and at branch network are conducted effectively and efficiently.

  • Monitor SME risk and ensure quality SME portfolio are maintained

  • Play a role of interface between the branch network and all head office departments/ units

Key Responsibilities:

  • Responsible to receive, appraising and recommend credit applications from branch network to HOR for further recommendations and approval.
  • Responsible to follow up with branches and other head office department/ units to ensure that all approved files are timely disbursed as per agreed SME’s TAT and SLA to meet customer need on time.
  • Responsible to accurate compile client’s executed documents and submission to credit control for final review before forwarding the file to credit admin for booking to proceed.
  • Responsible to assess portfolio at risk of the entire branch network and ensure you attend all anomalies meetings including but not limited to credit risk and sensitive meeting
  • Responsible to ensure that SME TAT is strictly adhered by all department/ units involved in credit process.
  • Act as a link between branch network and all HQ departments/ units to ensure that smooth SME business operation are conducted. This includes timely seeking for HQ approval on behalf of the branches to avoid delays and complains.
  • Preparations of all SME reports and any other report as may be required by various stakeholders.
  • Ensure that SME RMs prepare comprehensive credit Memo, visit report on credit analysis system to avoid files returned for review to branches that affect agreed TAT.
  • Ensures all SME files presented from branches are in compliant manner and adheres to relevant regulatory requirements.
  • Any other duties as may be assigned by your supervisor.

Technical Know How:

  • Supervisory skills
  • Excellent customer service capabilities
  • Negotiations and conflicts resolution skills
  • Documentation and process management skills
  • Excellent interpersonal skills
  • Decision making skills
  • Sufficient knowledge and understanding of the market
  • Knowledge on credit risk and process
  • Knowledge of all relevant banking policies, process, procedures, prudential guidelines and guidance to consistently achieve required compliance standard or benchmark
  • Interpret, analyze and evaluate data received from multiple source of information
  • Excellent planning, organization and execution skills
  • Product knowledge

Competences, Knowledge & Experience:

  • A University degree in Insurance and Risk Management, Finance, or any related field.
  • A minimum of 5 years’ experience in Banking or a Financial Institution.
  • A post graduate in related field is an added advantage
  • Ability to manage and control multiple projects
  • Good understanding of Banking Operations and Products
  • Should be proficient in Microsoft desktop products and mostly excel


All the applicants should submit their application letter,  CV and Certificates not later than 09th February 2024 to email:


P.O Box 3054

NOTE: We shall communicate to only successful candidates who will meet all the requirements above.