Title:  SME Manager: Swakopmund

Career Stream

Relationship Management

Leadership Pipeline

Manage Self Professional

Job Purpose

The SME Banker is responsible for managing relationships with Small and Medium sized enterprises (SMEs) by providing tailored financial solutions to support their growth and sustainability in Swakopmund/Walvis Bay. The role involves business development, credit assessment, risk management, and advisory services to help SMEs access funding, manage cash flow, and expand their operations. 

Job Responsibilities

• Identify and onboard new SME clients.
• Promote and cross sell banking products such as loans, trade finance, investments and digital solutions.
• Develop strategies to grow the SME banking portfolio.
• Serve as the primary point of contact for SME customers, ensuring excellent customer delivery.
• Provide financial advisory services to help businesses manage cash flow, investments and credit effectively.
• Keep clients informed of progress regarding their applications, queries and requests.
• Position client's financial product requests for approval in line with process and procedure.
• Stay updated on SME industry trends, economic changes, and competitor activities.
• Ensure personal growth and enable effectiveness in performance of roles.
• Ensure adherence to banking regulations, internal policies, and risk management guidelines.
• Proactively engage clients in a manner that is relevant to their specific circumstances.
• Collaborate with specialists in client engagements to cross sell and create value-based solutions.
• Ensure work is completed to agreed principles, process and procedures; progress reviewed, and corrective action taken where necessary.

People Specification

• Financial Acumen: Strong understanding of SME Financial needs, credit assessment and risk analysis
• Business Development: Ability to identify and onboard new SME Clients while growing the existing relationship
• Credit and Risk Assessment: Proficiency in evaluating financial statements, assessing creditworthiness, and structuring loans
• Relationship Management: Excellent interpersonal skills to build and maintain long term relationships with SME clients
• Negotiations and Sales Skills: Ability to pitch banking products and services effectively to SMEs
• Regulatory Knowledge: Familiar with Banking regulations, SME financing guidelines, ad industry compliance standards
• Tech-Savviness: Knowledge of digital banking tools, financial software, and SME- fintech solutions
• Strong analytical, problem-solving and decision-making skills
• Ability to work in a fast paced and target driven environment
• A proactive and customer focused mindset

Essential Qualifications - NQF Level

Preferred Qualification

• Degree Business Administration majoring in Accounting, Finance, Banking, or Business Management

Minimum Experience Level

• Minimum of five (5) years' experience in a banking environment, two (2) of which as a Relationship Banker.
• Proven experience in Retail Banking, SME Banking or Business Banking
• Experience in credit analysis, lending, or financial advisory for SMEs
• Strong track record in business development and client relationship management

Technical / Professional Knowledge

Behavioural Competencies