Zone Head (Senior Relationship Manager)
BanqueMisr
مجموع سنوات الخبرة :16 years, 8 أشهر
- responsible for achieving loan growth and revenue targets
- Conduct site visits in the field with the relationship team
- Sponsor events to thank big clients and generate goodwill with prospects
- Progress updates with team members
- Network with senior executives from other divisions of the bank
- Follow along with progress on different transactions
- Provided leadership and direction to grow team portfolio and increase revenue.
- Met with customers to assess needs and propose customized solutions.
- Structured and finalized secured and unsecured loans.
- Delivered exceptional experience and maintained productive relationships with area small businesses.
- Developed and implemented marketing and business plans.
- Established and enforced internal controls, workflows and policies for tracking, reconciling and reporting on accounting activities.
- Resolved conflicts and negotiated mutually beneficial agreements between parties.
- Monitored all credit requests and approved and disapproved it after analyzing it. Maintained portfolios of lenders and ensured quality at par with bank standards.
- valuated loan structures and ensured credit standards according to company goals and policies.
- Reviewed new and existing portfolios and identified risk areas. Coordinated with technical experts on all large and complex loans
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Organized and finalized loan applications for underwriter review.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Developed information of financials of all prospective customers.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Perform financial forecasting, reporting, and operational metrics tracking
- Analyze financial data and create financial models for decision support
- Report on financial performance
- Analyze past results, perform variance analysis, identify trends, and make recommendations for improvements
- ensure accurate financial reporting
- Evaluate financial performance by comparing and analyzing actual results with plans and forecasts
- cost analysis process
- Provide analysis of trends and forecasts and recommend actions for optimization
- Recommend actions by analyzing and interpreting data and making comparative analyses; study proposed changes in methods and materials
- Identify and drive process improvements, including the creation of standard and ad-hoc reports, tools, and Excel dashboards
- Increase productivity by developing automated reporting/forecasting tools
- Perform market research, data mining, business intelligence, and valuation comps
- Maintain a strong financial analysis foundation creating forecasts and models
- Proficiency with Microsoft Excel is mentioned in virtually any financial analyst job description; familiarity with data query/data management tools is extremely helpful (Access, SQL, Business Objects)
- Recommended approval or disapproval of commercial, or credit loans.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Prepared credit approval documents for various relationship managers according to corporate loan policy.
- Assisted in others and prepared proposals and commitment letter for various loans.
- Analyzed loan transactions and identified credit risks in each of it and prepared necessary projections.
- Documented all loan policy and credit approval letters
- Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing and annual due diligence
- Provide recommendations tied to analysis and assessment of credit risk
- Present analysis, findings, and recommendations to managers, especially findings that involve a borrower’s ability to repay
- Keep up to date with the company’s lending protocols
- Reconcile credit files and identify discrepancies and variances
- Develop and prepare spreadsheets and models to support analysis of new and existing credit applications
- Facilitating large payments for the client’s accounting team
- Ordering cheques and resolving credit card problems
- Responsible for onboarding new clients
- Other administrative tasks while the Relationship Manager is tied up
- Open and close checking and savings accounts
- Advise customers on financial services (e.g. lines of credit)
- Cross-sell products and services -Approach and sign on new customers
- Collaborate with other professionals to ensure high-quality customer service
- Perform various clerical tasks
-Handle customer complaints and solve problems
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