SME Portfolio Analyst at Clovers Management & Training Consultants Ltd

Responsibilities

Portfolio Monitoring & Maintenance: 

• Monitor and ensure adherence to risk service standards.
• Action all risk reports/extracts for SMEs. This will ensure all contracts unpaid and accounts in excess are maintained within parameters.
• Monitor and control the quality of the portfolio using “Condition of Sanction” triggers where possible and in accordance with RM guidelines and Bank policy.
• Manage “Early Warning List” customers to reduce risk, following H.O. and Regional guidance provided.
• Adhere to procedures and guidelines within the BB RMCD.

Debt Collections: 

• Contact customers in Arrears and Accounts in excess daily. Accounts between Day 1-90. 
• Centrally send the relevant demand notices, with a copy to RM/UB/Cluster Manager, to the customers in arrears and accounts in excess from the reports extracted daily.
• Review and approve lists for SMSs that will also be sent to the accounts in distress centrally.  
• Be the joint liaison person between the Business team and C&R in ensuring that the downgrade of names to Recoveries is done on time and that customer files are received within 10 days of CCRS downgrade.

Sales Management: 

• Proactively notify the RMs and customers on the trade limits about to expire and expired limits (STLs, ODs etc.)
• Identify SME accounts that are incorrectly streamed and recommend restreaming to the current RM/UB for effective relationship management and portfolio monitoring.
• Pro-actively manage the movement of turnover to us for all borrowing names – with monthly reports shared on clusters

Staff Management: 

• The job holder will be required to have a detailed knowledge of the core set of Business Banking products.
• For Complex products, good knowledge will be required sufficiently to: -
  • Recognize the changing needs of the customer.
  • Identify products/service that best satisfies a customer\'s need.
  • Introduce the product/service.
  • Coordinate the introduction of the relevant Group product specialist.
  • Deal with customers directly as required.
  • Offer support as per business request.

Requirements

• Business Degree
• The job holder will be required to have a detailed knowledge of the core set of Business Banking products.

Must have good knowledge on:

• Business Banking,
• customer relationship management
• Team management