Assist the bank in building strong relationship with customers, identifying new (mutual) business opportunities to increase profitability and sustain customer base, fulfilling its expectation/objectives and providing business advice that will benefit the business client to maintain satisfaction.
Study and evaluate credit facilities applications, preparing and presenting credit reports (CR), analyze financial reports, analyze and manage credit risk, recommend to accept or reject credit requests, monitoring and follow up clients credit portfolio that range between JD 10k to 500k, field visits for current and potential clients prepare.
Evaluating the viability and feasibility of the Funded, Non-funded facilities/Projects to be financed, Debt Equity and collateral’s forced sale value, and to prepare the final credit memorandum/ credit proposals for the Executive Committee approval.
Introduce diversified products and services through extensive cross selling and up selling techniques ranging from Short term facilities for Operating cycle to Term Loans for Capital Investment cycle and foreign trade services including Import & Export Letter of Credit, Acceptances & Trust Receipts.
Identify key accounts and assimilate a prospect base of new companies through targeted research of potential markets and apply relevant strategies to facilitate the transition of promising business conversion.
Formulating action plans for overall account strategy, fostering relationships through continuous client interaction to surpass business goals and objectives.
Engage in effective lead generation through knowledgeable prospecting, compelling product and service discussions, persuasive negotiation, convincing answering of client objections and preparing a thorough customized proposal to culminate the sale.
Maintain close relationships and striving to exceed service expectations through diligent follow-ups and immediate resolution of client issues; thus ensuring a high level of customer satisfaction as well as operational excellence.
Detailed Financial Analysis and related Corporate Issues. This included Ratios, Financing Mode, Payback calculations, Cash flows and IRR etc. Preparation of business reports.
Present daily pipeline reports as well as forecasting sales to track and determine progress towards stated departmental goals.
Prepare complex credit analysis including projection modeling on both existing and prospective customer’s credit needs.
Present written reports detailing the financial position and cash flow of the client, potential risks, collateral position, strengths, and weaknesses.
Entered, analyzed and reported client business and personal data in bank financial statement spreading models to identify risk areas and the development of mitigating factors.
Analyzed current and emerging technology trends in market and assisted in mitigation process.
Recommendations for credit structure, risk rating, pricing, and credit approval.
- Company industry:
- Banking
- Job role:
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Customer Service and Call Center
