Banker A At Product Development And Credit Lines Unit (Sme'S) Head Office
Current- Develop credit products and services that address different Segments of gthe market. (Manufacturing industries, Livestock, Agriculture, Private Education And ,etc….)to Attract new customers .- manage the relationship with public and private entities to support the Bank’s business development plan for SMEs - Review the existing portfolio in a timely manner and recommend appropriate credit facilities in line with the bank’s credit policy to maximize earnings while containing risks to an acceptable level.- Obtain and analyze audited financial statements through transferring them into the standard format (spreads) to derive the relevant ratios analyzing each single account and recommend credit proposals of potential borrowers to the approving authority to meet financial objectives - Structuring and designing Term sheets and facility packages that suite the customers‟ needs and enhance bank profitability- Making and Reviewing Information Memorandums that present the proposed facility package, the associated Terms & Conditions, Market & Industry Analysis, and Financial Analysis. - Apply Calls to existing and prospect clients.- Follow up and closely monitor accounts on a regular basis.- Implement and maintain complete control aspects through performing periodical credit analysis to assess and ensure creditworthiness.- Conduct and prepare detailed and accurate financial and market study in a timely and coherent manner to assess the financial position and market positioning of existing/new clients within a specific industry.- Contribute to increasing portfolio of small and medium-sized enterprises of NBE loans.
