Relationship Manager - Corporate and Commercial Assets

Job Purpose / Summary:

This position is responsible for managing Assigned credit portfolio of corporate, commercial & SME through maintaining quality in assets, achieving budgeted targets, executing business development activities, reviewing and appraising credit proposals, evaluating &mitigating credit risks and ensuring regulatory compliance with Islamic Shariah & prescribed regulations.

Key Accountabilities / Responsibilities:

Ensure portfolio growth by marketing and initiating new relationships. Responsible for identifying and developing client relationships that allow for the sustainable growth and expansion of the credit business. Develops, generates, and follows-up in new client leads through referrals, and calls on existing clients to review portfolios and makes recommendations as needed and closing sales in addition to careful and proactive high level account/relationship management and extension.
Oversee key accounts to remain current with developing clients’ needs and cross-sell Bank’s Products & services. Assist Team Leader in planning new initiatives for increasing Assets portfolio & Trade Business and ensure proper execution of the plans.
Ensure to process all clients’ requests in a timely and accurate manner. Ensure that all parameters for credit risk evaluation are met and complied to / mitigated for. Seek approvals for exceptions to policy requests, taking action on identified high-risk accounts
Ensure continuous monitoring and review of accounts and reports to avoid additions to watch lists / Non-performing / Classified loans through regular reviews.
Prioritize and resolve any customer complaints as they arise. Identify recurring issues and develop / recommend processes to prevent issues arising. Monitor operational performance against performance standards to ensure that customers are not having any poor experience.
Ensure that updated manuals / circulars / policies are held on record and followed in true spirits. Ensure 100% compliance to regulations/SOPs and guidelines and achieve sound audit category in job related areas.

Job Specification:

Minimum 03 years of banking experience, with at least 1 year in assets.
Minimum BSC preferably Master’s degree in Banking, Economics, Commerce or Business from HEC recognized institute or reputable foreign institute.
Professional development courses in Islamic Banking, Marketing & Risk Management would be an added advantage.