Relationship Manager
Muscat Capital (MC)
مجموع سنوات الخبرة :11 years, 6 أشهر
Asset Management Department (AMD)
•Responsible to achieve stated targets and goals for new customer acquisition, sales & Profit, AUM and existing customer retention and repeat business.
•Thoroughly familiarization of existing MC Products & Services and all product proposals prior to client meetings and client communications.
•Support the establishing of a comprehensive database of potential clients for Muscat Capital (MC) to offer all its products to, screening and filtering suitable customers, agreeing with the Head of Department and CEO the list of approachable customers and creating a strategy and positioning for each customer.
•Physically meeting at least 5 customers a week to follow up on existing products or potential new products to be offered to them. Preparing customer reports for management.
•Making or conducting at least 5 customer calls per day to service existing customers and / or potential new customers and promoting existing MC Products or understanding customer needs.
•Preparing call reports and feedback information to the Head of Department and CEO on all client meetings and preparing a follow up action plan for customer requests.
•Support the establishing of a relationship with counterparty institutions and corporate for MC Investment Purposes including attending to all aspects of account opening with the institutions as specified by the Head of Department. Relationship management with these institutions.
•Meeting selected new potential customers and offering MC Products & Services as per the sales and marketing plan.
•Attending to any advertising, marketing and / or promotion activity as required.
•Preparing reports at least once every 2 weeks on client acquisition, retention and AUM and revenue targets and reporting on an action strategy for gaps or variances.
•Identifying key areas of improvement in the sales, marketing, promotion and new customer process and making recommendations on the same for corrective action.
•Directly responsible for the Opening of Customer Investment Accounts, KYC and other account opening documents and agreements as per MC policy & procedures and doing all things necessary to open the account including completing KYC process.
•Analyzing market trends, new product opportunities and communicating the same to management.
•Acting as company’s 1st communicator for any inquiring using company’s telephone line.
Customer Service Operation Support - Manager
Business Banking Unit BBU - (SME)
1. Managing and developing relationships with key Clients under BBU Portfolio to ensure smooth processing of daily transactions.
2. Manage and maintain all Non-borrowing accounts under BBU Portfolio.
3. Managing and Supporting Smart Business Application (Online Banking) Quires, Subscription and issues for all Clients under BBU Portfolio.
4. Meet/Visit Customers and Manage Calls to develop and enhance Business Opportunities in Marketplace and refer to RMs and maintain good Customer Relations.
5. Daily Operations such as: Daily Excess/Past Due/OD Reports, Booking Loans (Early & Partial pre-settlement), Transfers, A/C Opening, re-activation (Dormant/Freeze), Fixed Deposits, Transfer A/C’s between RMs in Moody's, Finacle and E-Doc, Correction of Segment Code and re-tagging of A/C’s, Management & VAT Fees, KYC, SVS, Update and Load Approved Credit Limits into System, Client Inquires and Complains.
6. Support the RMs to properly coordinate between Units in ENBD KSA to reach Customer Satisfactory.
7. Closely follow up with internal departments mainly Branch, Trade Finance, Credit Department, Risk, IT, Compliance, CRAD and Operations to ensure proper and timely processing of Client transactions.
8. Review Facility Documentation and Security Documents to ensure its accuracy, completeness and in strict adherence to the relevant internal approval(s), ENBD KSA Policies and Procedures and Regulatory Requirements.
9. Ensure that Credit requests/Approvals are processed within best possible turnaround time with complete independence and transparency.
10. Provide high quality Service to each assigned Client consistent with Approved Facilities and ENBD KSA requirements.
11. Perform the Deals/Transactions of each Client in a competent and timely manner; all Deals/Transactions should be completed prior to the cut-off time.
12. Working with other appropriate Divisions to execute tasks and ensure obtaining internal Approvals for processing Customer related transactions.
13. Maintain the credit and desk file for each client in accordance with internal policy. Closely follow up any late payments or missing facility documents.
Corporate Banking Group - Mid Cap
•Review and perform detailed credit analysis of new/renewal/extending credit request with regards to financial information pertinent to potential and existing borrowers, quality of assets, collateralization and provide specific recommendations including pricing and structuring for submission to the credit committee.
•Review facility documentation to ensure its accuracy, completeness and accordance with the relevant approval(s) and GIB policies and procedures. Identify and obtain additional information requirements needed for proper assessment of credit request.
•Evaluate terms & conditions, including but not limited to pricing, to facilities offered to clients so as to optimize the bank's return on equity in relation to risk.
•Identify risks in the credit request and suggest mitigations, covenants and plans to minimize risks and improve credit quality.
•Assign internal ratings on the basis of the comprehensive review, incorporating risk based pricing/RAROC assessment.
•Ensure that the credit review and recommendation are in strict adherence to the relevant internal policies and procedures (GIBMAN) and regulatory requirements.
•Ensure that credit requests are processed within best possible turnaround time with complete independence and transparency. Provide high quality service to each assigned client consistent with approved facilities and GIBMAN requirements.
•Perform the annual review of each client in a competent and timely manner; All annual review should be completed prior to the original review date or the date to which the review has been deferred with the concurrence to the supervisor
•Maintain the credit and desk file for each client in accordance with internal policy. Contribute information to the division's prospect and industry files. Closely follow up any late payments or missing facility documents.
•Support relationship managers in preparing the annual forecast of the income for each client and prospect to be incorporated in the annual budget.
•Provide support to relationship managers to prepare/ generate statistical/ management reports on credit and risk such as (classification report, annual planning report etc.) according to prescribed schedules so that all relevant parties are assured of the integrity of transactions and to facilitate decision making.
•Ensure all documents related credit evaluation are filed (hard/soft copy) and archived. Follow document retention and disposal procedures, ensuring minimal discrepancies and loss of information.
•Follow up all audit issues under the purview to ensure that it is adequately addressed as per agreed timetable.
•Keep up to date on developments in Saudi - legal environment, especially those relating to documentation and security; business and the economy, which affect GIB clients and prospective clients.
Relationship Officer
Central Corporate Banking Group (CCBG)
A. Marketing
1. Coordinate with marketing & other department in selling the Bank's products.
2. Regularly reviews available data and market studies to identify and record information of interest concerning the Bank's customers.
3. Answers day-to-day inquiries and non-credit request of clients.
B. Credit Analysis, Evaluation and Approval
1. Obtains financial, technical, marketing, management and other information from prospective clients.
2. Assesses clients' overall performance reports, as well as available industry information on general economic conditions.
3. Determines clients' financial requirements and the appropriate terms and conditions under which a credit or fee based relationship can be established.
4. Summarizes findings & recommendations & prepares Credit Files for approvals.
5. Provide offer letters and necessary documentation to Credit Department.
6. Prepare annual review of clients credit reports and submits recommendations to the Manager of Corporate Banking Department.
Credit Analyst
Central Corporate Banking Group (CCBG)
1. Works closely with colleagues in Risk/Credit to ensure proper and accurate monitoring of client accounts and ensures collateral valuations, where necessary, are undertaken at the periodicity specified in facility documentation.
2. Spread and analyze financial statements, preparation of credit application, documentation and post-sanction monitoring through periodic account review/renewal.
3. Manage all kind of communication and interactions with clients and ensure customer satisfaction.
4. Visit clients to understand their needs and coordinate with relevant departments to bring in the required expertise in the customer’s area of interest.
5. Obtain all information and prepare Credit Proposals.
2007 King Fahad University of Petroleum & Minerals, Saudi Arabia College of Industrial Management Bachelor Degree in Economics & Finance