Job Title: SME Manager
Reports to: Chief Credit Officer (CCO)
Location: Head Office
Monitoring credit portfolio growth
Ensure that all steps of the loan cycle are executed according to credit procedures and SME best practices
Ensure especially the highest standards of loan assessment, loan supervision and credit committee,
Monitor and analyze the SME credit team’s performance
Measure and evaluate the quality of the credit portfolio
Oversee the monitoring of arrears and the measures needed to be taken to improve recovery and ABR’s NPL level
Manage hand overs following the resignations, transfers, convalescence etc.
Learning and developing necessary skills for loan disbursement and customer assessment under the supervision of the Chief Credit Officer (CCO). This includes:
Support the CCO by assuring smooth flow of operations in the credit department
Assure synchronized and well-coordinated credit work-flow in coordination with the Branch Managers
Supervise the recruitment process of new loan officers and Credit training
Manage the SME loan portfolio and results
Report to the CCO on a regular basis regarding the credit-related issues in branches
Monitoring of procedures and update for best performance and risk management.
Monitoring the implementation of SME credit procedures
Ensure the update, implementation, and archiving procedures.
Human Resource Management
Coach, mentor, and train the Group Leader(s) and all other members of the SME credit team;
Ensure business continuity and succession planning
In close collaboration with the training center and HR, set criteria for promotions and implement career path for Credit SME staff.
In collaboration with HR, follow up the quarterly and yearly performance assessment
Management of SME credit staff leave in collaboration with Branch Managers, GLs and HR.
Results Expected to Achieve
Growth and profitability
Set and distribution of individual targets
Effective implementation of bank procedures and instructions from the Management Board.
SME Business Development
Education and other requirements
At least Bachelor degree in Management/ Finance/ Banking, or any related course; Master’s degree a plus
Requires a minimum 3 years of experience managing SME unit in a bank or any licensed financial institution:
o With experience managing a minimum portfolio of RWF 1 billion
o With average NPL ≤ 7%
Excellent knowledge of bank credit procedures and regulations
Excellent verbal, written and interpersonal communication skills inEnglish and Kinyarwanda, paired with organizational and time management skills
Good negotiating & analytic skills.
Quality, Quantity & Accuracy of Work: This includes meeting deadlines, keeping agreements, compliance with formalities
Diligence and reliability at work
Client Orientation: Understands client needs and concerns and responds promptly and effectively, customizes services and products appropriately
Business development drive and knowledge with keen strategic vision.
Team Work: Collaborates & cooperates with others, acknowledges others’ contributions
Planning and Organizing: Organization of own work, control, project planning
Problem Solving & Decision Making
Interested candidates should click Apply button and fill the recruitment form attached, No physical delivery of CVs will be accepted
[NOTE: Please state the POSITION NAME in JOB Title in the subject Only shortlisted candidates will be contacted.
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