Main Accountabilities New Business Prospects: • Originate new business prospects within the SME sector through direct sourcing and open market channels. Customer Acquisition: • Acquire SME customers and manage their proposals, guiding them up to the disbursement stage. Business Generation: • Meet existing SME clients to identify business opportunities and drive revenue. Working Capital Facilities: • Provide SMEs with a range of working capital facilities, such as Overdraft, Cash Credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, Term Loan, etc., based on their specific needs.Customer Relationship Management: • Manage and nurture customer relationships, addressing both service and sales queries with the goal of engaging and retaining SME clients. Cross-Selling: • Cross-sell retail banking products to SME customers to maximize revenue and meet sales targets. Credit Risk Assessment: • Assess the credit risk associated with SME clients and their proposed financing structures. • Collaborate with credit and risk teams to ensure sound credit decisions. Financial Analysis • Conduct in-depth financial analysis of SME clients to evaluate their creditworthiness and funding requirements. • Prepare and present comprehensive credit proposals. Credit Structuring: • Structure credit facilities for SMEs in a manner that aligns with their business needs and risk profiles. • Optimize the credit solutions offered to SME clients. Compliance and Regulations: • Ensure compliance with all relevant regulatory requirements and internal policies. • Stay updated on changes in regulations affecting SME banking.