Relationship Manager SME
Commercial international bank
Total years of experience :13 years, 5 Months
Manage and enhance a portofolio of lending relationships
within a balanced and pre-approved credit policy.
Approach and identifying market and booking New Business
assets and special approved lending programs.
Daily enhancing and monitoring of approved credit portifolio
utilization and follow up with the approved requests
Credit analysis for the initial credit preparations, follow up
on booking preparations and activation with the concerned department.
Identify the problem on early stages and recommend appropriate remedial actions.
Ensure that credit lines are renewed and reviewed on time
and to be ready with the approved memos.
Ensure to have in place an early alert mechanism for credit customers.
Ensure that the processes are adhered as per bank Guidelines and policies.
Manage and enhance a portofolio of lending relationships
within a balanced and pre-approved credit policy.
Approach and identifying market and booking New Business
assets and special approved lending programs.
Daily enhancing and monitoring of approved credit portifolio
utilization and follow up with the approved requests
Credit analysis for the initial credit preparations, follow up
on booking preparations and activation with the concerned department.
Identify the problem on early stages and recommend appropriate remedial actions.
Ensure that credit lines are renewed and reviewed on time
and to be ready with the approved memos.
Ensure to have in place an early alert mechanism for credit customers.
Ensure that the processes are adhered as per bank Guidelines and policies.
Manage and enhance a portofolio of lending relationships
within a balanced and pre-approved credit policy.
Approach and identifying market and booking New Business
assets and special approved lending programs.
Daily enhancing and monitoring of approved credit portifolio
utilization and follow up with the approved requests
Credit analysis for the initial credit preparations, follow up
on booking preparations and activation with the concerned department.
Identify the problem on early stages and recommend appropriate remedial actions.
Ensure that credit lines are renewed and reviewed on time
and to be ready with the approved memos.
Ensure to have in place an early alert mechanism for credit customers.
Ensure that the processes are adhered as per bank Guidelines and policies.
•Execute client instructions and review and provide checks on supporting documents for account maintenance and opening purposes
•Data-entry, ensure account records are accurate in systems
•Ensures relevant documents comply according to bank's policies and ensuring it meets regulatory requirements (such as KYC, AML, MAS guidelines, Terms & Conditions etc)
•Liaise and follow-up with Bankers, Compliance as well as Client Services for documentation issues and requirements, take on any enquiries
•Verify and process closure of client's accounts
•Participate in UAT testing for IT enhancement when required
•Handle and develop the current account and inquisitional new accounts.
•Engage in sales calls and visits to all customers to showcase (define)
Etisalat Voice and Data products.
•Create Multiple Touch Points (Persons on different hierarchy levels) within the accounts to ensure full awareness of penetration effectiveness and competition activity.
•Identify potential accounts and build a prospect hit list on monthly basis.
•Implement all of the sales policies and procedures while doing business to improve work quality.
•Apply Market sizing techniques for the territory in terms of competitors share to enhance our market share.
. Ensure all opportunities are taken to promote products to our customers and to increase the client base
. Establish new business over and above the base business in the hotel through direct corporate and agency business.
To ensure personal presentation is of the highest standards at all times to project a professional image to clients
.Ensure that all communications with customers are handled within the required time frame and to the hotel/company standards
.Be present to meet and greet customers as appropriate
• Contacting clients and setting up meetings, either within an office environment or in clients' homes or business premises.
• Conducting in-depth reviews of clients’ financial circumstances, current provision and future aims.
• Analysing information and preparing plans best suited to individual clients' requirements.
• Researching the marketplace and providing clients with information on new and existing products and services.
• Designing financial strategies.
• Assisting clients to make informed decisions.
• keeping up to date with financial products and legislation;
• producing financial reports;
• contacting clients with news of new financial products or changes to legislation that may affect their savings and investments.
• Respond promptly to customer inquiries
• Handle and resolve customer complaints
• Obtain and evaluate all relevant information to handle inquiries and complaints
• Process orders, forms, applications and requests
• Communicate and coordinate with internal departments
• Follow up on customer interactions
• Evaluating marketing campaigns
• Monitoring competitor activity
• Supporting the marketing manager and other colleagues.
• Maintaining and updating customer databases
• Conducting the market research and interpretation of the research results.
• International Business Management ( Faculty of Management Sciences) Major Marketing Sadat Academy
General Secondary Certificate (Thanaweya Amma)