KALU EMMANUEL CHISOM

Relationship Manager (SME)

N/A, NG.

About

A dynamic Relationship Manager (SME) with a strong record at FirstBank Nigeria, expertly managing SME portfolios to drive revenue growth, enhance customer satisfaction, and ensure strict regulatory compliance. Leverages deep expertise in credit risk assessment, customer acquisition, and business development to deliver comprehensive financial solutions and foster robust client relationships.

Work

FirstBank of Nigeria Ltd

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Relationship Manager – SME

N/A, Nigeria, Nigeria

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Summary

Managed and strategically grew a diverse SME customer portfolio, identifying new business opportunities and deepening existing relationships to drive significant revenue growth and increase client retention.

Highlights

Executed comprehensive credit analysis, financial reviews, and robust risk assessments, successfully supporting loan approvals while minimizing non-performing loans and maintaining high compliance standards with minimal audit exceptions.

Achieved and exceeded bank targets by effectively driving deposit mobilization, facilitating timely loan disbursements, and generating substantial fee-based income.

Provided expert advisory support to SME clients on critical financial strategies, including cash flow management, business growth, and tailored financial solutions, enhancing customer satisfaction and service delivery.

Ensured stringent adherence to FirstBank policies, KYC requirements, and regulatory guidelines, mitigating operational risks and upholding institutional integrity.

Streamlined credit documentation and service request processing by effectively collaborating with internal teams, improving operational efficiency and client satisfaction.

Education

Federal Polytechnic Nekede, Owerri

Owerri, N/A, Nigeria
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National Diploma (ND) / Higher National Diploma (HND) Office Technology and Management

Languages

English

Certificates

SME Banking & Credit Management Training

FirstBank

Customer Service Excellence Training

N/A

Risk Management / Compliance Training

N/A

Skills

Relationship Management

SME Relationship Management, Customer Acquisition & Retention, Client Advisory Services, Portfolio Growth & Monitoring, Business Development, Customer Retention.

Financial Analysis & Risk

Credit Analysis & Loan Structuring, Risk Assessment & Compliance, Financial Reviews, Non-Performing Loan Minimization.

Banking Operations

Deposit Mobilization, Loan Disbursement, Fee-Based Income Generation, Regulatory Compliance, KYC Requirements, Banking Policies, Audit Compliance.

Office Productivity

Microsoft Office Suite, Word, Excel, PowerPoint, Documentation & Record Management.

Communication & Interpersonal Skills

Communication & Stakeholder Management, Interpersonal Skills, Client Engagement, Problem-Solving Skills.

Professional Attributes

Strong Analytical Skills, High Level of Integrity and Professionalism, Detail-Oriented, Well-Organized, Ability to Work Under Pressure, Target Achievement.

References

References

Available on request.