Relationship Manager
Hsbc - United Arab Emirates
Total years of experience :16 years, 4 Months
to meet the pre-set financial and non-financial objectives
Prepare credit recommendations for both existing and new clients, analyze financial ratios against industry norms, prepare financial projections and stress scenarios
Evaluate prospects’ credit worthiness and identify potential risks to design relevant facilities structure, pricing, collaterals and securities
Manage the existing loan portfolio to ensure establishment of appropriate account plans, recommend credit facilities in line with Bank credit policy to maximize earnings while containing risks to an acceptable levels
Develop and maintain strong working relations with all existing clients at key levels to optimize the utilization of approved facilities
Manage & grow relationship of the assigned portfolio to achieve defined targets in terms of number of customers, volumes and revenues
Identify, recommend and target new clients in line with the bank’s development strategy
Responsible for the full preparation of credit proposals through conducting intensive, marketing and financial analysis for assessing risk to renew and authorize credit facilities
Monitoring the utilization of the granted credit facilities through direct contact with the clients’ daily operations
Build and deepen relationships with existing Customers to increase share of wallet and revenues
Alert management on any deterioration or potential deterioration for any customer
Liaising with various departments of the bank such as credit risk, documentation unit, and operations for day to day transactions and various business functions
To manage and enhance the existing portfolio and solicit acceptable new relationships in order to meet the pre-set financial non-financial objectives
Establish new borrowing relationships for large corporate clients, preparing the required credit and financial analysis as per the bank policies and procedures to enhance the bank’s market share
Manage the existing loan portfolio to ensure establishment of appropriate account plans, recommend credit facilities in line with Bank credit policy to maximize earnings while containing risks to an acceptable levels
Develop and maintain strong working relations with all existing clients at key levels to optimize the utilization of approved facilities
Implement and maintain complete control aspects i.e. financial analysis of statements of accounts, documentation, and periodical client visits call reports
Spread and analyze financial statements, preparation of credit application, documentation & post-sanction monitoring through periodic account review/renewal
Generating and maximizing revenues and net income per account
Supervising the daily workflow of corporate clients
Acquire new clients as well as broadening relationship with existing clients
Increase the trade finance transactions productivity & profitability
Provide advice and trade solutions as well as support in the attrition, utilization and deepening of wallet share for Arab bank trade portfolio
- Opening all types of accounts for customers (individuals, companies, payroll…)
- Attract new customers with fresh funds to develop new business solutions
- Issuing different types of credit cards (secured, unsecured).
- Attracting targeted customers in order to grant them personal, auto loans.
- Issuing certificates of companies’ establishment, capital increase & send them to the Capital Market Authority
- Responding to the queries of the customers in an ethical and informative way
Provide general banking services such as receiving deposits, withdrawal of cash, responding to queries of visiting customers pertaining to other banking services.
Daily adjustment and replenishment of the (ATM) including receiving of returned cards and cash deposits and delivering them to the senior teller and customers service area
Responsible for the vault keys and combination lock
Replacing the head teller: tracking full responsibility of tellers area, send and receive cash shipments to and from other branches, preparing all reports needed