Business Banker – SME

Kingdom Bank Limited

Kingdom Bank is a proud subsidiary of the Co-operative Bank of Kenya dedicated to supporting financial growth of SMEs, Retail and Select Corporates by being a strong financial partner offering a wide variety of solutions to chosen market segments.

Sector
Banking
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https://www.kingdombankltd.co.ke/

Business Banker – SME

Responsibilities

Business Development and Relationship Management

  • Develop, manage, and grow a portfolio of MSME and emerging business customers through proactive relationship management and solution-based selling.
  • Acquire new-to-bank business relationships and deepen existing customer relationships through structured engagement and regular portfolio reviews.
  • Grow customer liabilities through Transaction Accounts, Current Accounts, Savings Accounts, Fixed Deposits, and Cash Management solutions.
  • Promote and sell the Bank’s comprehensive suite of Business Banking products and services, including lending, trade finance, digital banking, insurance, and investment solutions.
  • Act as the primary relationship manager and trusted advisor for business customers, providing professional financial guidance tailored to their business needs and growth ambitions.
  • Identify opportunities for customer value enhancement through cross-selling and upselling of relevant financial solutions.

Credit and Lending

  • Drive growth of the business lending portfolio across working capital facilities, term loans, asset finance, mortgage finance, trade finance, and consumer lending products.
  • Conduct financial analysis and credit assessments to determine customer funding requirements and recommend appropriate credit solutions.
  • Prepare and submit quality credit applications supported by comprehensive financial and business analysis.
  • Monitor portfolio performance and proactively manage credit quality, delinquency trends, and early warning signals.
  • Ensure timely review and renewal of credit facilities in accordance with the Bank’s credit policies.

Trade Finance and Transaction Banking

  • Originate and grow trade finance business, including Letters of Credit, Bank Guarantees, Import Finance, Export Finance, and other trade-related products.
  • Identify opportunities to support customers involved in local and international trade through customized trade finance solutions.
  • Drive adoption of digital banking and transaction banking solutions to enhance customer experience and operational efficiency.

Sales and Portfolio Management

  • Develop and execute customer acquisition plans, sales strategies, and relationship management activities to achieve assigned business targets.
  • Prepare and implement structured call plans, conduct customer visits, and maintain accurate call reports and pipeline management records.
  • Leverage customer data and market intelligence to identify business opportunities, industry trends, and portfolio growth prospects.
  • Manage customer retention initiatives and ensure high levels of customer satisfaction and service excellence.

Risk, Compliance, and Governance

  • Ensure strict adherence to all regulatory requirements, internal policies, and operational procedures.
  • Identify, assess, and mitigate operational, credit, compliance, and reputational risks within the portfolio.
  • Ensure compliance with AML, KYC, CTF, and all applicable regulatory requirements.
  • Report and escalate suspicious transactions and potential financial crime risks in line with established Bank policies and procedures.
  • Maintain accurate customer information and ensure periodic customer reviews are conducted as required by policy.

Qualifications

Academic Qualifications

  • Bachelor’s Degree in Commerce, Business Administration, Economics, Finance, Banking, or a related field.
  • Professional banking qualifications (AKIB, CPA, ACCA, CFA, Credit Management, or equivalent) will be an added advantage.

Experience

  • Minimum of 6 years’ experience in Banking, with significant exposure in MSME, Commercial Banking, or Business Banking relationship management.
  • Proven track record in portfolio growth, customer acquisition, and relationship management within the MSME segment.
  • Demonstrable experience in Business Lending, Consumer Lending, Trade Finance, Asset Finance, Mortgage Finance, and Working Capital Solutions.
  • Strong understanding of financial analysis, credit structuring, and risk assessment.
  • Experience in managing a sizeable customer portfolio and consistently achieving business targets.

Method of application

If you are interested and qualified, kindly submit your application via the link provided below,

https://www.kingdombankltd.co.ke/career/business-banker-sme/?utm_source=Jobinkenya

Deadline July 17th, 2026

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