This role is primarily responsible for developing and maintaining business relationships with SME clients to fulfill their banking requirements. The RM will ensure profitably managing amp; growing the complete relationship of their portfolio of SME customers ensuring all their banking needs are efficiently met - deposit/transaction, trade amp; borrowing.
Responsibilities
- Meets or exceeds portfolio targets for number of customer, revenue, and net profit including deposits, lending and trade finance .
- Generates new prospects from own efforts (personal network, existing customers, trade associations, etc.) as well as referrals from other departments and existing customers
- Plans and co-ordinates marketing of SME's products and services provided to all clients within the portfolio and the objectives in order to maximize revenues/returns
- Follows up with the clients to manage repayments for early collections that are less than 30 Due Per Day
- Acquires required documents from clients needed for approval process.
- Develops, enhances and maintains relationships with prospective clients to ensure revenue / profit targets are met /exceeded.
- Ensures that service quality norms and client satisfaction scores are met for their set of clients
- Ensures compliance with the bank's rules, regulations, policies and procedures
- Contact and qualifying own prospects and prospects identified through referrals,generating both cross sell and new sales opportunities to grow the portfolio
- Demonstrates Bank al Etihad's core values and standards in all transactions, interactions
- Monitors and encourages utilization of facility by customers, including trade transaction .
- Conducts basic initial financial amp; credit review for prescreening credit applications of customers for new credit applications and for performing annual reviews of existing loans
- Ensures timely credit approval amp; disbursal of funds by closely monitoring amp; following up on the credit approval process
- Liaison's with various internal departments (Credit, Legal, Operations) for smooth and quick turnaround of transactions.
- Attracts new potential clients and ensures portfolio growth of all products categories. Spends time in understanding their needs, provides them with appropriate products and services and recommends financial solutions accordingaly
- Visits clients frequently and in line with the bank's relationship management policy to build strong relationships and keep track of developments.
- Regularly prepares call reports for all customer interactions and submits for review by Center Manager
Requirements
- Selling skills - prospecting amp; planning
- Relationship management skills and tools
- Generating Sales Leads
- SMEs Sales amp; Services Standards
- Portfolio Management
- Credit Analysis
- Financial Analysis Tools
Benefits
- Private Health Insurance
- Pension Plan
- Training amp; Development
- Performance Bonus