Relationship Manager
1 week ago
Manage a set of existing Small Enterprise (SE) relationships and originate new SE relationships in business communities around branch locations. To achieve assigned financial and non-financial objectives by meeting all borrowing & non-borrowing needs of customers with target segments (viz. borrowers, transactors, depositors). Actively source new-to-bank customers and generate new business leads from walk-in customers. Manage all customers focusing on relationship management & up-selling/deep-selling/cross-selling other bank products. Seamlessly take over new relationships originated by DS & relationships downgraded by ME team using defined customer onboarding procedure. Constantly identify opportunities to upgrade customers to ME category by identifying customer's needs & profiling. Responsible for quality & soundness of assigned SE portfolio (KYC reviews, monitoring for due diligence, anti-money laundering procedures, etc).
Responsibilities- Improve share of wallet & target to be primary bank for each of the relationships in the assigned portfolio. Enhance relationship revenue from existing portfolio of borrowing & non-borrowing accounts by cross-selling a complete range of banking products.
- Assume complete ownership of customer relationship management for the assigned portfolio of accounts. Provide superior customer service.
- Conduct annual/periodic credit facility reviews in the existing portfolio in a timely manner and recommend appropriate credit facilities in line with the bank's credit policy to maximize earnings while containing risks to an acceptable level and identifying candidates for downgrades/upgrades.
- Follow-up and monitor assigned relationships to ensure satisfactory account conduct and early rectification of various credit-related issues.
- Implement and maintain complete control aspects i.e., documentation, periodical client visits/call reports, stock inspections, and formal credit checks/informal market feedback to monitor the assigned portfolio effectively.
- Screen the market for NTB opportunities.
- Liaise between internal and external advisors to ensure precision of agreements.
- Develop on-the-job learning curve of SSO to enable them to grow professionally and prepare them for higher levels of responsibility.
- Liaise with superiors and direct reports within the business units, Risk Management, and related enabler units within the bank to achieve business objectives.
- Achieve assigned financial and non-financial targets.
- Adhere to all compliance & regulatory policies with regards to KYC/AML, etc., as set out by the bank from time to time.
- Update branch manager and regional SE manager regularly/weekly for better controls on sales and relationship management.
- Regularly upgrade existing SE customers to ME segment by offering need-based solutions as per client's profile & requirements.
- Banking sales & service experience with proven relationship management qualities.
- Requires advanced vocational know-how of the subject matter (viz. Credit, Trade, Operating system, Legal, etc).
- Excellent communication and negotiation skills.
- At least 4 years + relevant banking experience in local or international market.
- MBA/CA or if a regular graduate needs to possess adequate relevant experience.
- Positive attitude, strong work ethic, and a good team player.
The leading financial institution in MENA.
While more than half a century old, we proudly think like a challenger, startup, and innovator in banking and finance, powered by a diverse and dynamic team who put customers first.
Together, we pioneer key innovations and developments in banking and financial services.
Our mandate? To help customers find their way to Rise Every Day, partnering with them through the highs and lows to help them reach their goals and unlock their unique vision of success.
Delivering superior service to clients by leading with innovation, treating colleagues with dignity and fairness while pursuing opportunities that grow shareholders' value.
We actively contribute to the community through responsible banking in our mission to inspire more people to Rise.
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