Relationship Officer - Business Banking
Mashreq Bank
Total years of experience :24 years, 2 Months
Process loans within specified limits, and refer loan applications outside those limits to management for approval and meet with applicants to obtain information for loan applications and to answer questions about the process.
Analyse applicants' financial status, credit, and property evaluations to determine feasibility of granting loans and explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information and review and update credit and loan files.
Review loan agreements to ensure that they are complete and accurate according to policy and stay abreast of new types of loans and other financial services and products in order to better meet customers' needs.
Primarily responsible for managing the credit risk associated with the portfolio in North East of Sri Lanka and ensuring high quality of the portfolio.
Closely work with the BM / OIC from the origination & play a vital role in deal structuring to add good value from a credit/policy perspective.
Work with the Branch Manager (BM) on a specified portfolio and facilitate revenue growth in the portfolio.
Key Roles & Responsibilities
Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
Work with BM / Product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.
Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the Customer portfolio standard checklist, CRIB check, other special reporting requirements, etc.
Liaise with AGM Credit for limit approval/allocation
Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with Recovery processes.
Ensure timely submission of quality Quarterly Credit Reports
Monitor Risk Triggers, Covenants and other credit conditions and report appropriately
Prepare Credit Opinion reports wherever required.
Ensure compliance to Group Operational Risk Policy, Anti-Money Laundering Prevention policy and other relevant policies. Cooperate with the Money Laundering Prevention Officers to ensure compliance to internal and external controls and procedures for money laundering prevention.
Where appropriate, assist in the investigation of financial crime risks and the reporting of suspicious activities.
Provide an analysis of the existing practices of a company and make recommendations for improvements of it's future goals.
Working as a senior sales executive for Citi bank - UAE, Abu Dhabi branch, attached with sales department. (Loans & Credit cards)
Service and sales - Personal Loan (PIL), Salary Transfer Loan (STL) and Credit Card Portfolio
Identifying and approaching customers for STL Portfolio.
Recognizes the importance of the customer. Takes ownership to the same. Respond courteously and effectively to customer’s problems, escalating those beyond the role limits to the superiors.
Keeping knowledge of Bank products and competitor activity (Loans & Credit Cards)
Handled Corporate Clients Accounts and Salary Transfer Loan Accounts (STL) Citi@work
Distributor management and Credit controls
To ensure the distributor provides all necessary infrastructures to the sales Crew and to maintain a required buffer stock on all the time and also to maintain proper procedures for stock rotation, storage, handling, delivery and disposal of damaged goods.
To assist the distributors on trade credits and maintain credit control measures.
Work related to Planning
Plan re-distribution and direct sales based upon area objectives, targets and place the appropriate orders.
Plan together with the sales teams and distributor a detailed interim sales plan to cover the period prior to the next re-distribution journey.
Plan the effective use of point of sales materials.
Work related to Training and Motivation
Continuous on the Job training to the sales force and motivate them to achieve Company objectives on sales, distribution and merchandising and help them out on trade issues.
Distributor management and Credit controls
To ensure the distributor provides all necessary infrastructures to the sales
Crew and to maintain a required buffer stock on all the time and also to maintain proper procedures for stock rotation, storage, handling, delivery and disposal of damaged goods.To assist the distributors on trade credits and maintain credit control measures.
Availability, Display and Merchandising
To ensure the products are available in the right outlets on the right quantities
In order to satisfy the customers and to block the competitors and also to make Sure the products are visible and displayed well.
Work related to Administration and Field discipline
To make sure the sales team well disciplines in the field as well as in their administration.
Work related to Brand promotion
Promote the brand among the dealers, institutions and Organizing special events and carry out demonstrations of the company products and provide any selling guidance to the trade and the customer.
Work related to appointing new dealers and dealer management
In order to increase distribution and minimize the competitors entry to the trade and also helping the dealers on trade issues.
In Watawala Plantation PLC I was the Area Sales Executive for Northern and North central Region and I was handling 7 distributors and leading a team of 10 sales representatives.
Provide an analysis of the existing practices of a company and make recommendations for improvements.
One of the leading Insurance Companies in Sri Lanka I had worked as a Branch Officer In charge for two years in this Company and I was responsible for Branch administration, claims and Life & General Sales operation.
Provide an analysis of the existing practices of a company and make recommendations for improvements.
One of the leading Baby care & Personal Care Cosmetic companies in Sri Lanka I had worked as an Area Sales Executive and I covered Northern Region in Sri Lanka.
In Reckitt Benckiser Lanka Limited I worked as a Sales representative and I was totally responsible for the primary & secondary sales and marketing activity.