Senior Relationship Manager
Al Rajhi Bank
Total years of experience :23 years, 11 Months
Expanding the Bank’s revenue stream through fullest utilization of limits by superior customer relationship management, maximize the share of wallet for the bank. Monitoring risk and ensuring that the Bank’s relationship strategy is in line with the Portfolio and Industry quality.
Ensuring that the quality of the credit portfolio is maintained, by reviewing proposals, identifying and assessing all risk inherent in credit exposures. Recommending credit facilities, within agreed limits, after a comprehensive analysis, Liaising with various departments for smooth and quick turnaround of transactions.
Early recovery and settlement of non-performing loans through restructure the exposure or strengthening of legal infrastructure. Involve actively in compromise proposals and restructuring arrangements in cases where the Bank’s lending is doubtful of full recovery.
Developing business from new & existing clients, through identifying target markets/sectors across the entire portfolio range. Maintaining and enhancing relationships with key customer accounts and prospective customers to ensure business continuity and growth. Growing assets, fees, and lia- bilities to enhance the yield profitability of the accounts. Deliver, prepare, and execute full range of multi-products to the corporate market place with a high degree of confidence.
Gathering information (financial & non-financial), analyzing and interpreting complicated finan- cial information, undertaking risk assessment analysis, visiting clients and prepare call Reports, keeping knowledge of key issues up-to-date (i.e. legal, market risk and compliance issues) and helping to enhance the quality of credit applications.
- Helping the RMs in meeting their annual review due lines.
Involved in account management including operational issues.
Provide superb customer services to customers in a friendly and respectful manner at all times. Im- prove customers’ banking experience with the bank by ensuring that the customers are attended to promptly and all their challenges are resolved without delay. Ensure that all the bank’s policies and procedures, code of conduct and regulatory guidelines are strictly complied with in the process of discharging duties.
Inform and suggest new banking products to customers (i.e. Mutual Funds, Credit Card and Time Deposit). Provide assistance to all other members of staff in other departments of the bank by liaising with them through healthy interactions. Participate in marketing and awareness campaigns in the bank to create an enlarged customer base. Establish and promote friendly relationship with customers, ensuring prompt attendance to their inquiries and solving their problems to grant them maximum satisfaction.
The Certificate in Commercial Credit (CICC)