Relationship Manager ( Business Banking )
Mashreq Bank
Total years of experience :10 years, 7 Months
• Develop and maintain strong working relations with all existing clients at key levels to optimize the utilization of approved facilities
• To manage and enhance the existing commercial portfolio and solicit acceptable new relationships in order to meet the pre-set financial non-financial objectives.
• Manage the existing loan portfolio to ensure establishment of appropriate account plans, recommend credit facilities in line with Bank credit policy to maximize earnings while containing risks to an acceptable levels.
• Establish new borrowing relationships for Business Banking (SME), preparing the required credit and financial analysis as per the bank policies and procedures to enhance the bank’s market share
• Cross selling of trade & working capital products
• Implement and maintain complete control aspects i.e. financial analysis of statements of accounts, documentation, periodical client visits call reports.
• highly responsive to customer needs and ensure high level of satisfaction of accounts portfolio
• To provide Mashreq bank customers financial services which exceed the customer’s expectations by delivering an unbiased, competent and timely problem free service.
• Be Imaginative and creative in the delivery of customer service.
• Profile each and every customer met to understand their needs.
• Improve on service levels at the branches. Take ownership of customer complaint resolution. Report indicators set by CSQ accurately at the required frequency.
• Be a team player and contribute to achievement of goals based on the Key Performance Indicators in the Branch. Also to support and coach new staff to their assimilation in the Bank’s family easier.
• Provide constructive and constant feedback on the improvement of the products, services and processes which may either reduce cycle time, costs or enhance customer satisfaction.
• Adhere to Branch process and report deviations to the LMM, which should finally lead to an acceptable Branch Audit rating.
• Topped pan UAE by opening 700 A/C in one calendar year
• Managed a team of 6 sales officers for business current A/C in Abu Dhabi/Al Ain region
• Managed liability portfolio of NTB &Existing clients to ensure high revenues
• Coordinating with 14 branches & other departments to ensure hassle free service for the client.
• Cross selling trade products like Remittances, LC, BG& MOD to existing clients.
• Presenting monthly & quarterly report to SM.
• Marketing of SME current Accounts.
• Acknowledged for outstanding contribution. Consistently exceeded the assigned sales targets, developed a loyal customer base and increased sales volume through personal attention to customers
• Identified, investigated and resolved customer service problems.
• Travelled extensively in the assigned territory, generating high visibility of the Bank, reaffirming business relationships to promote and boost sales.
achieving new business account from newly assigned area and concentrate on the liabilities in that accounts.
Worked in the SME department and main work description are the following
#Sourcing new cliental database for tha company and introducing market awareness were part of my everyday assignment
#Achieved new business accounts and business loans from newly assigned area .Managed to penetrate from the existing market and brings in new customers
#Taken part in periodical training for anti-money laundering activities and other banking products and general communicational training in sales
#Solving critical problems in processing business loans by using logical techniques and cross selling other SME banking products to the clients
Worked in the branch banking group and involved in consistently generating new clientsto group .Managed existing database and introduced new products and services to existing clients through relationship management.Actively assisted clients in processingthe insurance documentation and achieved greater levels of customer focus and client profiling