I&M Bank Uganda is a commercial bank headquartered at Kingdom Kampala with a growing regional presence. The Bank offers a wide range of commercial banking and financial products and services, and prides itself on introducing innovative products and services based on the needs of its customers. We are seeking to recruit a competent and highly motivated individual with extensive experience and abilities to support business growth in the following position:
JOB TITLE: RELATIONSHIP MANAGER- SME
LOCATION: HEAD OFFICE
REPORTS TO: HEAD OF SME
Job purpose:
To develop and maintain relationships with SME clients and increase revenue for the bank by identifying opportunities to cross-sell financial products and services to SME clients, while also ensuring the clients' financial goals are met.
Key Responsibilities
BUSINESS GROWTH
- Acquisition of profitable new SME clients to achieve defined sales targets in liabilities and assets to grow market share in line with the bank’s strategic direction.
- Grow and develop a clean customer Data Base in line with the overall objectives and targets of the Bank by compiling monthly, quarterly and annual reports for the purposes of measuring growth against the target.
- Drive the deposit growth and ensure the loan accounts are funded.
- Manage assigned credit portfolio and monitor the quality of existing credit relationships on a continuous basis.
- Review, analyze and screen applications for credit based on the Bank's credit risk procedures.
- Follow up with valuers and insurance agents.
Write memos for excesses, facility amendments and exceptions.
RELATIONSHIP MANAGEMENT
- One of the primary responsibilities of a Business Banker is to analyze the financial health of the company, assess its current and future financial needs, and offer tailored solutions to address those needs.
- Recommend changes required to meet target customers' expectations whilst fully in compliance with Bank policies.
- Analyze and monitor market trends, interpret customer requests and provide integrated product solutions to particular customer needs in line with the bank’s policies and procedures and make appropriate recommendations for banks’ product development.
- Review and maintain a comprehensive database of existing relationships/prospects and establish mechanisms for maintaining existing customers.
- Carry out customer visits to identify new lending opportunities.
- Mine existing portfolio for lending opportunities
PRODUCT AND SERVICE OFFERINGS
- Market bank’s products in all sectors of the Ugandan market in line with the defined bank segments, set targets, and bank’s strategic objectives
- Identify cross-selling opportunities and promote the bank's various products and services to clients though eco system
CREDIT ANALYSIS AND RISK ASSESSMENT
- Review applications for a credit facility (in line with the Bank’s policy) and make appropriate recommendations/decisions.
- Manage assigned credit portfolio and monitor the quality of existing credit relationships.
- Initiate and carry out recovery action on non-performing credit facilities on assigned accounts.
- Evaluate the creditworthiness of business clients. analyze financial statements, review credit histories, and assess the overall risk associated with lending to a particular business.
- Initiate and carry out recovery action on non-performing credit facilities on assigned accounts.
Educational Requirements
- Bachelor’s degree in finance, Business, Accounting or Commerce or its equivalent
- A master’s degree in the relevant field is an Added Advantage
- Professional Accounting Qualification: Chartered Institute of Management Accountants Advanced Diploma, Chartered Financial Analyst, Association of Chartered Certified Accountant qualification or Certified Practicing Accountant qualification.
Work experience
- At least 4 years working experience in a commercially oriented organization with at least 2 years’ experience as a Relationship Manager.
Key Required Competencies & Skills
- Leadership and Decision-making skills
- Problem solving skills
- Analytical skills and attention to detail
- Communication and Interpersonal skills
- Client Relationship Management
- Product knowledge
- Business development
Note: Deadline for this job posting is Friday 8 MAY 2025 at 5:00pm and only shortlisted candidates will be contacted.
What We Do
I&M Bank is a wholly owned subsidiary of I&M Group PLC, a publicly quoted company at the Nairobi Securities Exchange (NSE). The bank possesses a rich heritage in banking. Started in 1974, it evolved from a community financial institution to a publicly listed major regional commercial bank offering a full range of corporate and retail banking services, over 50 branches in Kenya and international operations in 3 other countries. I&M Bank is a dominant player in the Kenyan market that has been consistently growing, and is innovative in terms of the type and range of products and services it offers. CDC Group plc, a development finance institution wholly owned by the government of the United Kingdom owns approximately 10.68% of I&M Group. In addition, I&M Bank has a technical support agreement with International Finance Corporation for staff training, product development and risk management. I&M Bank also enjoys medium term foreign currency credit facilities from European Development Financial Institutions - Proparco, DEG and FMO. I&M Bank’s international correspondent banks include major multinational banks such as Bank One Ltd, Citibank NA, CommerzBank AG, Deutsche Bank AG, ICICI Limited Mumbai, Mashreq Bank PLC, Standard Bank of South Africa and Standard Chartered Bank NY. I&M Bank’s international network includes Bank One Limited (Mauritius), I&M Bank Tanzania Limited, I&M Bank Rwanda and I&M Bank Uganda
