Background

Ecobank Tanzania is seeking a Relationship Manager, SME for its Consumer & Commercial Banking department. This role is within the Commercial Banking – SME Segment and reports to the Area SME Head / Branch Manager. The role type is Business Development & Portfolio Management.

Role Purpose

To acquire, manage, and grow a portfolio of Small and Medium Enterprises (turnover 500k – 500k–10M). The RM provides working capital solutions, trade finance, and cash management services while ensuring profitability and low delinquency.

Key Responsibilities

Business Development: Prospect and onboard new SME clients through direct sourcing, referrals, and industry networks. Achieve monthly disbursement and fee income targets.

Portfolio Management: Manage a portfolio of 150–200 active SME relationships. Conduct annual reviews and identify cross-sell opportunities (e.g., term loans, business credit cards, insurance, merchant services).

Credit Initiation: Prepare initial credit application, collect financials, and present to credit analyst/committee. Recommend appropriate facility structure (limit, tenure, margin).

Monitoring: Track utilization, repayment discipline, and conduct periodic site visits. identify early stress indicators (e.g., delayed payments, inventory pile-up).

Compliance & KYC: Ensure all documentation (loan agreements, collateral perfection, personal guarantees) is complete and compliant with bank policies.

Qualifications & Experience

Qualifications:

• Bachelor’s degree in Business or Finance.

Experience:

• 3–6 years in SME or commercial lending.
• Proven track record in asset growth (e.g., $5M+ portfolio) with NPL

• Prospect and onboard new SME clients through direct sourcing, referrals, and industry networks.
• Achieve monthly disbursement and fee income targets.
• Manage a portfolio of 150–200 active SME relationships.
• Conduct annual reviews and identify cross-sell opportunities (e.g., term loans, business credit cards, insurance, merchant services).
• Prepare initial credit application, collect financials, and present to credit analyst/committee.
• Recommend appropriate facility structure (limit, tenure, margin).
• Track utilization, repayment discipline, and conduct periodic site visits.
• Identify early stress indicators (e.g., delayed payments, inventory pile-up).
• Ensure all documentation (loan agreements, collateral perfection, personal guarantees) is complete and compliant with bank policies.

• Business Development
• Portfolio Management
• Credit Analysis
• Financial Analysis
• Client Relationship Management
• Sales and Negotiation
• Compliance and KYC

• Bachelor’s degree in Business or Finance.