Division Head Middle Market Corporate Western Region
The Saudi British Bank - SABB
Total years of experience :20 years, 4 Months
Division Head Leads, directs and manages Corporate Banking Business in the Region by assisting in strategy formulation for the regional set of clients, achievement of targets from the targeted client list, ensures cross selling of the entire suite of services offered across the bank entities, ensures a healthy portfolio and highest quality services to the customers, The jobholder also develops know how of team of Relationship Managers and Team Leaders and ensures the Relationship Management team maintain close contact with the Global Banking Network.
The jobholder frequently interacts with the Credit team to seek credit approvals and provide feedback on credit policies. The jobholder interacts with the Credit operations function to ensure all credit processes are running smoothly and issues are resolved quickly. He/she liaises with Treasury, PCM and Trade Services for business development opportunities where these functions can provide their services and solutions. The jobholder also needs to maintain frequent contact with the group to manage global relationships and support the servicing of Saudi Arabia based clients in other geographies.
The jobholder must actively promote the Group’s initiative to “Join-Up” the Organization, by ensuring that all Team Leaders understand the Bank’s structure, and actively involve colleagues when appropriate. He/She must also ensure that all Team Leaders reporting to him understand the Group structure, especially in respect to the CIBM business, and that they maintain contact, as appropriate, with GRMs for CIB clients managed by their teams.
Externally, the jobholder is a key representative of the CORPORATE function for clients and is instrumental in overseeing critical/large client relationships to achieve the target share of wallet and enhance the bank reputation in the market place.
The jobholder is bound by the procedures and guidelines laid down in the bank, Group Standards Manual, Area Lending Guidelines and the instructions and regulations issued by SAMA and relevant government regulations. Business targets are specified principally by the Strategic and Area Operating Plans, and in Balanced Score Cards.
The jobholder has substantial autonomy in running his team and in monitoring and tracking his team’s activities to ensure compliance to standard policies and procedures. The jobholder is expected to exercise strong leadership, and also to provide mentoring and coaching to the Team Leaders under his control.
The Middle Market Segment is under Commercial Banking in SABB. The responsibilities are almost the same as Business Banking however on higher level. The clients segment turnover fall between SAR200M up to SAR 700M. Managing asset portfolio over SAR 2 B. Different sectors are targeted under this segment which includes Contracting, Food, Medical. Pharmaceutical Manufacturing, and Services. The work responsibilities cover the whole western region under the Team Leader responsibilities.
RESPONSIBILITIES
▪ Support the growth of sustainable revenues either from existing customer portfolio or through targeted acquisition of new high-quality clients.
▪ Ensure proactive and strong relationship building to achieve revenue growth.
▪ Structure credit facilities to ensure optimum balance between risk management, pricing and return on RWA. Empowering Kafalah Program Cover for the facilities.
▪ Monitor customer preferences to determine focus of business efforts.
▪ Direct and coordinate activities involving relevant trade and other products, services, commodities, real estate or other subjects of business.
▪ Review operational records and reports to project business Improvement and determine profitability.
▪ Advise Senior RMs, RMs and CSOs on policies and operating procedures to ensure functional effectiveness of business.
▪ Represent SABB at trade association meetings.
▪ Plan and direct staffing, training, and performance evaluations to develop product and service programs.
▪ Confer with potential customers regarding needs and advise customers on types of facilities / services to apply for.
▪ Initiating referrals, where possible, to different business segments of the Bank (PFS, LCB, private, IBSA).
▪ Adopting a customer centric approach in order to ensure that SABB’s different products and services are offered to customers and that service is of high quality
▪ Coordinating with product and service teams in Treasury, PCM and TSC, Branches, Credit Operations to ensure prompt and quality customer service.
▪ Managing the performance and development of team members by participating in the recruitment of team members and managing their performance and developing their skills through ensuring adequate training, coaching and guidance.
▪ Supporting the lending process by participating in credit proposal making and providing evaluations, approvals and recommendations.
▪ To ensure effective internal controls and compliance to guidelines set by internal and external regulators.
▪ To implement and comply with SABB Global Standards and SABB International Standards.
The Business Banking Manager (BBM) is the cornerstone of SABBs success in the SME segment.
To manage and develop Corporate Support RMs and Officer(s) under jurisdiction, in conjunction with SABB Head guidance to attract new SME business opportunities, including cross selling, credit facilities, internal and global referrals, liability growth and relationship management in order to maximise CMB SME profits
RESPONSIBILITIES
Similar to MMK responsibilities but in smaller scale and lower size (turnover below SAR 200M), also includes:
▪ Meeting clients’ needs with great focus on Import transactions and business growth needs.
▪ Generate cross selling with various related units e.g. GLCM, Mass Team and Branches.
▪ Provide clients with various corporate solutions (loans, cash management, trade and receivable finance).
▪ Due diligence review on existing and new clients (KYC, AML, KYCC, KYCS) with strong focus on compliance rules.
▪ Team Leader BBU responsible for the business development, Team Proposal & Credit reviews, OPI & LIB Targets.
▪ Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
-Sales Developer
-Service and quality developer
-Coaching the Branch Network Staff to improve their Sales and Service skills
-Systems Trainer
-Assign staff for the needed trainings
-Floorwalkers project manager for Western Region (Outsourced staff)
-Western Region Coordinator for Loans and Credit Cards Discrepancies
-Involved in the selection of new staff for the branches
-Controlling the staff training, development and attachments program
-ATM and Network Developer
Foreign Exchange Dealer
Trading on Foreign Currencies and holding some positions to trade on, Covering customers orders and managing the liquidity of the money at the bank
Joining both the Treasury Operations Department and the Islamic Banking Division.
Different projects have been applied during my program including:
1- Layout project: for changing the layout of the Treasury operations department which consists of 50 employees. I was the project leader and the project was implemented.
2- Six Sigma project : The project was applied in the Loans and Credit Card Operations department. Based on the project, the layout and the working hours for the department were changed to increase the efficiency and to quick up the process.
Member of the sport club (arranging tournaments for different sports inside and outside the university)
Member of the club (arranging different short courses, meetings and industrial visits for the students of Systems Engineering Department)
I have graduated with a GPA of 5.818 out of 7.00 (Which is equal to 3.35 out of 4.00) It is a twelve-course Master of Business Administration program. Eight of which were core courses which are Marketing Management, Accounting for Managers, Human Resource Management, Corporate Finance, Understanding Data for Decision Making, Managing Strategically, Business Economics and Leadership and Communication. As I am a banker, I have Specialized in Finance so the four elective courses were Financial Institutions Management, Corporate Financial Risk Management, Wealth Management and Financial Planning. The Griffith MBA is an advanced general management degree that offers some additional specialisations. The vision of the Griffith MBA program is to develop forward thinking and responsible leaders. The learning goals of this program are as follows: - Develop leadership and strategic capabilities in a local and global context. - Effectively and persuasively communicate in an organisational environment. - Advance understanding and adoption of ethical practice, social responsibility and sustainability. - Develop the capacity to manage multi-stakeholder relationships. - Develop a higher level of knowledge in a specialised area.
2 months management course which is called GGDP ( Group Graduate Development Program) at Bricketwood. I have been nominated by SABB Bank Western Region Area Manager to attend the course. The course was at the HSBC College where I had the chance to meet different HSBC staff from different countries. The course has added a lot to my knowledge about banking especially at HSBC. Moreover different courses and indoor and outdoor activities about Sales, Team Building, Six Sigma, Communication Skills and Power Management were taken during the program.
Graduated as a second honor with a GPA 3.55 out of 4.00
Training Course on Safety
Training Course on Minitab
I studied one semester only at the college and i got a GPA 4.00 out of 4.00