ROLE PURPOSE

This SME Banker will be leading and executing Yoma Bank’s SME banking business Strategy with a view to achieve targeted revenue budgets. To work towards achieving stakeholder’s business objectives by offering a variety of SME banking services and solutions, including but not limited to transaction banking services, cash management, loans, trade finance and treasury services.

• Being responsible for managing a decent portfolio size (Loan/Deposit Accounts) as well as expanding new client base through referrals internally (branches, corporate or sales teams) or cold calling.
• Providing complete and comprehensive banking solutions (Deposit Product, Structured Credit Solutions, Trade Financing etc.) by understanding the client’s nature and cash flow condition of the business, and level of risk.
• Knowing customers’ needs, wants and expectations in a timely manner
• Maintaining an effective calling program to approach existing customers, new prospects, and referral sources.
• Providing advisory service for customers to be a successful business, linking them to other business, helping customers to meet with the bank’s credit policy in their financing needs for business expansion.
• Educate SME Loan product, updated policy and procedure to other sales teams and branches
• Be responsible for processing SME loan applications (Document Collection, Validation, Loan Appraisal- if necessary)
• Work closely with branches, Lending support team and risk team to process the SME financing cases. 
• Maintain a detailed and current understanding of the industry, current market structures, regulatory requirements, and issues to ensure that opportunities are realized, and the risks mitigated.
• Serve as a mentor of other less experienced Junior Relationship Managers as they develop the understanding of credit underwriting, whole cycle of loan processe, negotiation, and cross-sell skills/techniques and relationship building with key stakeholders in the banks (Lending support team, Risk and Branches).
• Implementing field visits to SME clients.
• Lead and organize any events or activities related to the SME Customers on-boarding.
• Monitoring Past-Dues Delinquent Loan Report and take any required action, after consulting with Line Manager.
• Keeping abreast with Respective Product Owners to get updated product information and to inform the client accordingly.

• Bachelor’s degree in Business, Economics or Finance is preferred
• Professional Certifications strongly preferred
• At least 3 years’ prior experience in related field for Relationship Manager position
• 1 year experience in related field or fresh graduades are welcomed for Junior Relationship Manager position
• Proficient use of Microsoft Office Suites (Words, Excel, Visio, PowerPoint)
• Communicate well and make relationships work
• Good local relationship with local business communities
• Good knowledge of local regulatory environment
• Strong sales and relationship management skills
• Good understanding of lending and deposit products
• Make informed decisions
• Manage compliance and risk
• Working proficiency in Myanmar and English