Job Description

SMME BUSINESS BANKER

Company: First National Bank Eswatini

Location: Manzini, Eswatini

Job Type: Full-Time

Department: Business & Commercial Banking

Experience: 4–8 Years

Salary: SZL 28,000 – 55,000 per month (based on qualifications and portfolio size)

Reporting To: Head of Business Banking

Position Overview

First National Bank Eswatini is seeking an experienced SMME Business Banker to support the growth and development of Small, Medium and Micro Enterprises across Eswatini. The successful candidate will manage a portfolio of business clients, identify lending opportunities, provide financial advisory services, and contribute to business banking revenue growth.

This role is ideal for professionals seeking Banking jobs in Eswatini, Business Banker jobs in Manzini, and Commercial Banking careers in Eswatini.

Candidates searching for current jobs in Eswatini may visit: Jobs in Eswatini

Key Responsibilities

• Manage and grow a portfolio of SMME clients.
• Assess business financing requirements and recommend solutions.
• Analyze financial statements and credit applications.
• Identify opportunities for loans, working capital facilities, and trade finance products.
• Build long-term relationships with entrepreneurs and business owners.
• Conduct business development and market outreach activities.
• Monitor loan performance and portfolio quality.
• Ensure compliance with banking regulations and risk policies.
• Prepare credit proposals and business cases.
• Support clients with cash flow management solutions.
• Deliver financial literacy and business advisory services.
• Promote digital banking products and services.
• Collaborate with credit, operations, and risk teams.
• Monitor industry trends and emerging business sectors.
• Achieve business growth and revenue targets.

Professionals exploring wider business banking opportunities in West Africa can review: Jobs in Ghana

Education Requirements

• Bachelor’s Degree in Finance, Banking, Economics, Accounting, Business Administration, or related field.
• MBA or professional banking qualification is an advantage.
• Credit risk certification preferred.

Experience Requirements

• Minimum 4 years of commercial banking or relationship management experience.
• Experience serving SME or corporate clients.
• Strong understanding of credit analysis and lending principles.
• Proven business development and client acquisition skills.
• Knowledge of banking regulations and compliance requirements.

Core Competencies

• Relationship Management
• Commercial Lending
• Credit Risk Assessment
• Financial Analysis
• SME Banking
• Portfolio Management
• Trade Finance
• Business Development
• Cash Flow Analysis
• Revenue Growth
• Negotiation Skills
• Customer Service
• Regulatory Compliance
• Strategic Planning
• Digital Banking Solutions

Training & Professional Development

The successful candidate will receive:

• Advanced commercial lending training.
• Credit risk and portfolio management certification.
• Relationship management workshops.
• Leadership and people management development.
• SME advisory and business consulting programs.
• Exposure to regional banking best practices.

Individuals interested in regional banking opportunities may also explore: Jobs in South Africa

Key Performance Indicators (KPIs)

• Portfolio growth and profitability.
• New client acquisition numbers.
• Loan book quality.
• Customer retention rates.
• Revenue generation targets.
• Cross-selling performance.
• Compliance and audit results.

Compensation & Benefits

• Competitive banking sector salary.
• Performance-based incentive scheme.
• Medical insurance.
• Pension contribution.
• Professional certification sponsorship.
• Annual leave benefits.
• Career progression opportunities.

Additional banking and finance vacancies across Africa are available through: Jobs in Egypt

Application Process

Interested applicants should submit:

• Updated Curriculum Vitae (CV)
• Cover Letter
• Academic Certificates
• Professional Qualifications
• National Identification Documents
• Two Professional References

Only shortlisted candidates will be contacted.

First National Bank Eswatini is committed to supporting entrepreneurship, financial inclusion, and sustainable economic development through innovative banking solutions for businesses across Eswatini.