• Build and maintain relationships with small and medium-sized enterprise (SME) clients, understanding their financing needs and business objectives. • Act as the main point of contact for SME clients, addressing inquiries, concerns, and requests promptly and effectively. • Develop a deep understanding of clients' businesses, industries, and market dynamics to provide tailored financial solutions. • Source and identify new lending opportunities within the SME segment, including prospecting and lead generation activities. • Conduct comprehensive credit assessments and risk analyses for loan applicants, evaluating their creditworthiness, financial stability, and repayment capacity. • Structure and negotiate loan terms and conditions in accordance with lending policies, regulatory requirements, and risk management guidelines. • Manage a portfolio of SME loan accounts, monitoring loan performance, repayment behaviour, and compliance with loan agreements. • Proactively identify and address potential credit risks or delinquencies, implementing appropriate remedial actions as necessary. • Work closely with internal stakeholders, such as credit analysts and legal teams, to ensure timely and accurate loan documentation and processing. • Provide financial advisory services to SME clients, offering insights and recommendations on business growth strategies, cash flow management, and capital allocation. • Assist clients in preparing loan applications and supporting documentation, guiding them through the loan approval and disbursement process. Requirements: • Minimum 4 years’ experience in commercial banking, SME lending, or relationship management, with a focus on business development and credit analysis. • Demonstrated track record of successfully originating and managing SME loan portfolios, achieving lending targets, and mitigating credit risks. • Strong financial analysis skills, including the ability to evaluate business financial statements, assess credit risk factors, and perform cash flow modelling. • Familiarity with credit underwriting standards, loan structuring techniques, and risk mitigation strategies in the SME lending context. • Excellent communication and interpersonal skills, with the ability to build rapport with clients, understand their needs, and negotiate effectively. • Ability to convey complex financial concepts clearly and concisely, both verbally and in writing. • Strong networking skills and the ability to cultivate relationships with key stakeholders in the SME community, including business owners, industry associations, and referral partners