Manage and grow SME and retail customer portfolios through effective relationship management and business development initiatives. Drive deposit mobilization, loan growth, and cross-selling activities to achieve branch financial targets. Conduct credit appraisals, analyze financial statements, and prepare quality credit proposals in line with policy guidelines. Monitor portfolio performance and implement recovery strategies to maintain healthy asset quality and minimize delinquency. Lead and supervise mobile bankers, fixed income sales executives, and support staff to ensure productivity and service excellence. Support branch operations and serve as the next-in-command to the Branch Manager, providing oversight in the manager's absence. Build and maintain strong relationships with customers, resulting in improved retention and increased business opportunities. Ensure compliance with KYC, AML, and internal control requirements while promoting operational efficiency. Conduct customer visits, post-disbursement monitoring, and market intelligence activities to identify growth opportunities. Prepare periodic performance reports and contribute to strategic initiatives aimed at enhancing branch profitability and customer satisfaction.

Managed and developed SME and retail customer relationships to support branch growth and customer retention. Generated new business opportunities through loan sales, deposit mobilization, and cross-selling of financial products. Conducted credit appraisals, business assessments, and prepared loan applications for approval. Monitored customer portfolios and implemented recovery strategies to maintain portfolio quality and reduce delinquency. Provided financial advisory services and guided customers on suitable credit and investment products. Conducted post-disbursement visits to ensure proper utilization of loan facilities and compliance with lending conditions. Ensured adherence to KYC, AML, and internal policies and procedures. Collaborated with branch teams to achieve monthly lending and deposit targets. Prepared periodic reports on portfolio performance and customer activities. Built strong customer relationships that contributed to repeat business and increased referrals. Maintained and updated the branch cash book to ensure accurate recording and reconciliation of daily transactions. Assisted in loan disbursement processes and maintained proper documentation of credit facilities. Performed teller duties, including cash deposits, withdrawals, account opening support, and customer transaction processing while ensuring high service standards.