Kingdom Bank Limited is seeking a Business Banker – SME. The primary purpose of this role is to develop, manage, and grow a portfolio of MSME and emerging business customers through proactive relationship management and solution-based selling.
Key Responsibilities
Business Development and Relationship Management
Develop, manage, and grow a portfolio of MSME and emerging business customers through proactive relationship management and solution-based selling.
Acquire new-to-bank business relationships and deepen existing customer relationships through structured engagement and regular portfolio reviews.
Grow customer liabilities through Transaction Accounts, Current Accounts, Savings Accounts, Fixed Deposits, and Cash Management solutions.
Promote and sell the Bank’s comprehensive suite of Business Banking products and services, including lending, trade finance, digital banking, insurance, and investment solutions.
Act as the primary relationship manager and trusted advisor for business customers, providing professional financial guidance tailored to their business needs and growth ambitions.
Identify opportunities for customer value enhancement through cross-selling and upselling of relevant financial solutions.
Credit and Lending
Drive growth of the business lending portfolio across working capital facilities, term loans, asset finance, mortgage finance, trade finance, and consumer lending products.
Conduct financial analysis and credit assessments to determine customer funding requirements and recommend appropriate credit solutions.
Prepare and submit quality credit applications supported by comprehensive financial and business analysis.
Monitor portfolio performance and proactively manage credit quality, delinquency trends, and early warning signals.
Ensure timely review and renewal of credit facilities in accordance with the Bank’s credit policies.
Trade Finance and Transaction Banking
Originate and grow trade finance business, including Letters of Credit, Bank Guarantees, Import Finance, Export Finance, and other trade-related products.
Identify opportunities to support customers involved in local and international trade through customized trade finance solutions.
Drive adoption of digital banking and transaction banking solutions to enhance customer experience and operational efficiency.
Sales and Portfolio Management
Develop and execute customer acquisition plans, sales strategies, and relationship management activities to achieve assigned business targets.
Prepare and implement structured call plans, conduct customer visits, and maintain accurate call reports and pipeline management records.
Leverage customer data and market intelligence to identify business opportunities, industry trends, and portfolio growth prospects.
Manage customer retention initiatives and ensure high levels of customer satisfaction and service excellence.
Risk, Compliance, and Governance
Ensure strict adherence to all regulatory requirements, internal policies, and operational procedures.
Identify, assess, and mitigate operational, credit, compliance, and reputational risks within the portfolio.
Ensure compliance with AML, KYC, CTF, and all applicable regulatory requirements.
Report and escalate suspicious transactions and potential financial crime risks in line with established Bank policies and procedures.
Maintain accurate customer information and ensure periodic customer reviews are conducted as required by policy.
