Experience
- At least 3 years
- The applicants should have experience in the following business area(s): Banks
Education
- Bachelor/Honors
Requirements
- At least 3 years
- The applicants should have experience in the following business area(s): Banks
Skills Required
Additional Requirements
Strong business acquisition and relationship development skills.
Sound understanding of credit risk assessment and mitigation techniques.
Proven sales skills with the ability to develop and grow business opportunities.
Effective negotiation skills, including knowledge of collection and recovery techniques.
Excellent communication and interpersonal skills to engage clients and stakeholders.
Strong problem-solving ability with a proactive and analytical approach.
Responsibilities & Context
To achieve CMSE business targets set by management in line with the departmental budget.
To ensure timely reporting to the BDM and Corporate Office on all CMSE business development–related matters.
To build and maintain strong customer relationships while delivering high-quality service standards.
To visit and meet customers singly or jointly with the BDM/TM/RH for business assessment and effective evaluation of credit risk.
To prepare SME credit proposals by ensuring full compliance with the required documentation checklist, including clear recommendations, and submit them to the CRM for approval.
To review and verify (where possible) all proposal-related documents thoroughly before forwarding loan applications for disbursement.
To actively contribute to SME business development initiatives, including cross-selling products to the existing customer base.
To ensure proper monitoring of SME loans and timely repayment in accordance with approved procedures after disbursement.
To maintain a clear understanding of SME circulars and internal guidelines to support effective loan marketing and enhance business productivity.