SME Relationship Manager ‘‘Business Banking’’
Commercial International Bank
مجموع سنوات الخبرة :16 years, 3 أشهر
Identifies potential Business Banking branch customers & source eligible customers.
Collect customers application request and all needed documents pre and post approval according to documentation report
Verifying all submitted documents and financial statement provided by customers as genuine.
Close follow up with customers.
Conduct at least quarterly site visit and write call memos copying the responsible head, other credit officers, BB risk. BB credit administration unit and starting from Risk Rate 7 copying the BB group head and collection & recovery.
Act as focal point in the customer communication.
Exert best efforts to increase CIB’s share of wallet through orienting the customer to CIB retail product and introducing them to retail banking delegates.
Follow up on customer’s past dues. Excesses and casual overdrafts and collection of installments on timely manner.
Advise customer with all terms, conditions and pricing in writing upon approval.
Inform collection department of any bounced cheques.
Ensure to inform the customer on monthly basis in writing. Of the change in pricing according to the change in corridor rate and clarify in the related process.
Obtain all needed documents to effect all types of mortgage in coordination with the legal department.
To obtain treasury approval on FCY facilities and on gapping for all FCY secured facilities secured by LCY security or other FCY securities.
To coordinate with the customer to obtain (شهادة بيانات) in case of commercial mortgage.
Follow up on all mortgage registration.
Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.
Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
Generate financial ratios, using computer programs, to evaluate customers' financial status.
Prepare reports that include the degree of risk involved in extending credit or lending money.
Participate in routine aging review meetings with management.
Review collection activity on delinquent accounts.
Identification of potential loan risks.
Maintain the integrity of each credit file.
Corporate account opening
TD's and CD's
Faculty of commerce