Reports to: Head of Retail Banking

Department: Commercial Banking

Position Functions:

  • Develop, expand and maintain a portfolio of SME and Mortgage clients for the bank, to achieve set budgets within overall bank objectives.

  • Managing and maintaining the entire Bank of Africa’s SME portfolio of all branches in numbers and value.

  • Monitors risk and ensures debt collection 

  • Improve and updates customer & prospect database

Key Responsibilities:

  • Overall SME portfolio in charge, managing and maintaining the entire Bank of Africa’s SME portfolio of over all branches.
  • Assessing portfolio at risk, minimizing NPA and maintaining the quality SME portfolio.
  • Recruiting new SME Clients for both assets and liability portfolios.
  • Minimize non-performing assets by proactively following up according to the bank’s credit policies and procedures up on unpaid arrears and excesses.
  • Managing and guiding all SME Relationship Managers and the banks Relationship Officers to ensure a sound SME portfolio is maintained at the bank.
  • Receiving, Appraising and recommending all SME proposals to Head of Retail/DMD Business Analysis Unit.
  • Work hand on hand with SME Relationship Managers on growing and maintaining SME portfolio.
  • Managing defaulting facilities and determining appropriate workout strategies to minimize loss, including proposals for restructuring exposure as appropriate for approval.
  • Writing weekly sales performance and business pipeline reports across all product ranges in SME.
  • Plan for sales activities on a weekly basis and make visits to targeted customers & prospects in line with BOA Sales practices and guidelines and ensures a optimized transformation rate ( Strike rate).
  • Prepare a weekly report based on the sales activities, analyzing with SME Manager the achievements and planning for corrective actions in case of variances.
  • Monitoring the overstepping reports and advising accordingly.
  • Monitoring risk and debt collection.
  • Manage a portfolio of SME and Mortgage customers, focusing on increasing product penetration, profitability and customer satisfaction.
  • Develop, maintain and expand relationships with SME AND Mortgage customers, with an aim of attaining good quality asset book.
  • Ensure compliance with credit and regulatory guidelines.
  • Collects, processes and follow up complaints and proposes solutions.
  • Any other duty as may be assigned by Line Manager.

Technical Know How:

  • Management skills
  • Excellent customer service capabilities
  • Negotiations and conflicts resolution skills
  • Documentation and process management skills
  • Excellent interpersonal skills
  • Strong leadership and management skills
  • Decision making skills
  • Sufficient knowledge and understanding of the market
  • Team building & conflict management
  • 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
  • Customer care skills
  • Planning, organization and execution skills

Competences, Knowledge & Experience:

  • University degree in either Business Administration Commerce, Finance, Economics, Marketing or relevant fields.
  • Not less than 4 years of experience in Sales, Marketing or any financial Institution
  • Excellent communication and interpersonal skills
  • Excellent selling and networking skills
  • Management Skills.
  • Presentation Skills.
  • Good negotiation skills
  • Good team player
  • Excellent customer service skills
  • High level of innovativeness and creativity
  • Positive and flexible attitude towards change and competition
  • Out-going, self-motivated, assertive and proactive
  • Good Presentation and decision making skills


All the applicants should submit their application letter,  CV and Certificates not later than 12th February 2024 to email:


P.O Box 3054

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