Sme Portfolio Manager

Job Summary:

SME Portfolio Manager

Key Responsibilities:

• Manage and monitor the SME loan portfolio to ensure credit quality and asset performance.
  
• Analyze financial statements, credit reports, and other relevant data to assess the creditworthiness of SME clients.
  
• Develop and maintain strong relationships with SME clients to understand their business needs and offer tailored financial solutions.
  
• Work closely with sales and credit teams to originate and structure loans consistent with risk appetite and policies.
  
• Identify portfolio risks and take proactive measures to mitigate potential defaults.
  
• Monitor portfolio trends and provide regular reports on portfolio performance, delinquency rates, and recovery efforts.
  
• Collaborate with internal stakeholders to resolve portfolio issues and implement recovery strategies.
  
• Ensure compliance with regulatory requirements and internal policies related to SME lending.
  
• Support business development efforts by identifying cross-selling opportunities within the SME segment.
  
• Stay updated on market trends, industry developments, and competitor activities in the SME sector.
  

Qualifications:

• Bachelors degree in Finance, Business Administration, Economics, or a related field. MBA or relevant certifications (e.g., CFA, FRM) preferred.
  
• Proven experience (typically 3-5 years) in SME portfolio management, credit analysis, or relationship management in banking or financial services.
  
• Strong understanding of SME business models, financial statements, and credit risk assessment.
  
• Excellent analytical, decision-making, and problem-solving skills.
  
• Proficiency with portfolio management and credit analysis tools.
  
• Strong communication and interpersonal skills to build relationships with clients and internal teams.
  
• Ability to work independently and manage multiple priorities in a dynamic environment.
  
• Knowledge of regulatory requirements related to SME lending.
  

Preferred Skills:

• Experience with loan recovery and restructuring.
  
• Familiarity with digital lending platforms and fintech solutions for SMEs.
  
• Strong negotiation and conflict resolution skills.
  
• Ability to interpret and apply banking regulations and compliance standards