Relationship Manager - Business Banking - SMEs
Gulf Bank
مجموع سنوات الخبرة :24 years, 10 أشهر
Working in the "Business banking" department as a relationship manager for the small and medium enterprises.
-Responsible for achieving targets.
-Liaising with customers (strategy, visits,
monitoring and cross-selling).
-Attracting new customers.
-Meetings and visits to existing clients and
potential sme clients (customer relationship with
yearly turnover of between kwd 1 -2 million
deposit & kwd 4-6 million credit facilities).
-Preparing credit documentation including credit
analysis and structure of the transaction.
-Providing support services for sme clients in all
banking operations.
-Monitoring client performance.
• Retail Banking & Wealth Management Head.
Summary of main tasks, responsibilities and activities:
- Increase the segments profitability & contributes positively to Bank image.
- Maintains and enhances the operational standard and efficiency of the segment.
- Safeguards that segment from potential loss.
- Contributes to the development and performance of the segment.
- Ensures compliance with group policies on compliance & Money laundry deterrence contain risk & strengthen Money laundry policy.
- Improve Money laundry & compliance awareness and support management for effective delivery of Money laundry message.
- To ensure operational risks are implemented and to avoid repeated Audit recommendations.
- To maintain HSBC internal control standards, including the timely implementation of internal and external audit points, compliance with Dairy Watch / Manager Control checks together with any issues raised by external regulators. Any failures to comply with the above must be reflected in year-end performance assessments.
- Implement an Activity Based Sales Culture with enhanced focus of Sales Activity Management.
- Back up branch manager in all his/her responsibilities.
- To manage and promote lasting profitable relationships with existing high net worth customers and proactively seek out and develop new income generating relationships.
- To provide clients with wealth management solutions and financial planning services via the financial planning management.
- To help maintain the integrity and essence of the Premier brand in HSBC Egypt.
- Responsible for the growth, and profitability of Status customer’s proposition by undertaking local initiatives.
- Achieving targets.
- Ensuring implementation of the product guidelines and facilitating maintenance of Service Standards.
- Increase the segment’s profitability.
- Contributes positively to the image of the bank.
- Provide a single point for customer service for all products and service.
- Maximize product sales to agreed targets by probing customer needs and actively cross selling products.
- Identify and follow upon sales opportunities based on potential customer lists.
- Provide advice and guidance to colleagues on products and services as required as well as corporate non-borrowing customers.
- Take ownership of specific customer complaints from initial contact to problem resolution.
- Handling general customer queries and redirecting them as appropriate to other staff.
- Provide support to customer during or outside normal office hours.
- Provide feedback on improvement to products and processes.
- Ensure that product and process knowledge is current at all times.
- Ensure that the work area is maintained in good condition and that product literature is available and prominently displayed.
- Handle the functions of telesales and reception desk as and when required.
- Direct and refer customer to Wealth Management/Premier as appropriate
Technical summary of main tasks:
- Open/Close Personal demand and term deposit accounts.
- Assisting customer in the completion of documentation for Personal Banking Services, scrutinizing the documents prior to obtaining approval.
- Receiving application for overdrafts on personal accounts.
- Receiving scrutinizing credit card applications.
- Handling applications of telegraphic transfers/demand drafts (while closing accounts).
- Issuing certificate of balance/liability certificates.
- Retrieve old customer records and copies of voucher/statements.
- Assist in coordinating and handling special projects as and when required.
- To refer any business opportunity whenever possible to the designated department for further development and processing.
Summary of main tasks and responsibilities:
- Receive and pay local and foreign currencies cash to customer up to limit.
- Secondary ATM custodian.
- Ensure that cash is balanced and also ensure that the dated captured has balanced.
- Ensue that the pay in vouchers has been correctly completed, all cash is counted, denominations agree with the withdrawals and deposit transaction amount.
- Scans and examines all foreign currency note received from customers.
- Report any cash shortage or surplus.
- Issuance of cashier orders and demand drafts.
- Receive customer application for telex transfers and verify them before sending to centralization.
- Receive checks from customers either clearing or under collection.
- Handle inward payments for non-customers, check customers IDs and prepare relevant voucher.
- Handling general customer queries and redirecting them as appropriate to other staff.
- Provide feedback on improvement to products and processes.
- Ensure that product and process knowledge is current at all times.
- Handle the functions of telesales and reception desk as and when required
- Answer the switchboard in a friendly and an efficient manner.
- Deal with all calls accordingly ensuring all messages are passed on.
- Take reservations and enter bookings into the system.
- Allocate guest rooms and check guests in.
- Liaise with housekeeping throughout the course of the shift informing them of room moves, special requests, extended departures ensuring that no problems occur.
- Assist guests with any queries throughout their stay.
- Check guests out ensuring bills are paid and receipted correctly.
- Balance cash and bills at the end of each shift.
- Deliver detailed information on tours and their availability to travel agents and the customers, with the aim of selling the tour.
- Negotiating contracts with hotel owners, airlines, coach companies.
- Control that tours run smoothly and that any problems and emergencies are dealt with as they arise.