Retail lending deputy manager - credit approver
Arab African international bank
مجموع سنوات الخبرة :16 years, 2 أشهر
❖ Assessment and approval of retail banking credit applications:
(Cash loans * Credit cards * Auto loans) Revolving Unsecured Overdraft Each approved primary product will have an independent credit policy and the primary product Primary products will be offered under the following program categories:
*Secured
* Semi Secured
*Surrogate (card to card)
* salaried payroll
*salaried non-payroll
* corporate guarantee
* Cross sell
* Self- employed: Individual / Non-Individual.
❖ Demonstrate sound credit decision making ability with respect to income, risk and compliance with credit policy and lending guideline
❖ Communication with frontline and advise on risk mitigation and restructuring of credit term to maintain good credit quality
❖ Implementation of retail credit policies.
❖ Proactively monitor and review credit policy, procedures and processes on an ongoing basis.
-Work as a liaison between the bank and regulatory agencies regarding compliance matters and investigations
-Prepare and evaluate regular suspicious-activity reports
-Study new banking products and services to evaluate risk
Inform and advise the senior management regarding proposed and pending regulatory changes
-Update regulations and communicate the same to bank staff
Administer matters relating to codes of conduct, the Bank Secrecy Act (BSA), anti-money laundering (AML) regulations, and terrorist-financing activities
Prepare training materials for anti-money laundering efforts
o Maximizing products sales to reach set targets by probing customer needs.
o Planning daily calls and visits to ensure achievement against targets.
o Promoting the bank’s services and products through direct and cross selling to achieve the bank’s goals and increase its market share in those products.
o Maintain the relationship with the customers and work constantly on improving it, and ensure that service quality exceeds customers’ expectations and fulfils their needs on a level that ensures preserving those customers.
o Represent the bank in the exhibitions & campaigns that the bank conducts to reflect the best image of the bank.
Interact with customers to provide information in response to inquiries about services and to handle and resolve complaints.
Communicate with customers through a variety of means—by telephone; by e-mail, fax, or regular mail correspondence; or in person. Some customer service representatives handle general questions and whereas others specialize in a particular area.
Arranges for customer travel, hotel reservations, auto rental, entertainment and other varied requirements
Handle the crew in arrival or departure for immigration and custom
Tracks aircraft arrival and assures prompt line service
Finish all procedures for the passenger from immigration and custom
•Follow up and control the development and implementation of the marketing plans with the appointed media agency and the director of the concerned
•Assist developing implementing e-marketing for group activities
•Assists in the development and implementation of various above-the-line marketing activities / communications including but not limited to:
a) Marketing campaign / launches, trade shows ….etc
b) Developing brand corporate profile
•Participate in controlling the production off bellow-the-line marketing collaterals including: season brochures, flyers, posters, direct mail promotions, gift items and other marketing support materials
•Conducting market research and analysis and prepares research-based-reports
•Attend meeting with media agencies and participate in developing the media strategy and marketing plans
•Ensure the brand awareness / promotion through several marketing PR activities
•Support all Refad Hotels sales related activities on behalf of our Hotels in Kuwait market
•Participate and support PR activities and efforts and liaising with the team
•Performs miscellaneous job-related duties ass assigned
•Explaining the different types of accounts to new customers and benefits of those accounts.
•Managing the banking transactions and providing banking facilities to the current customers.
•Supporting the inquiries of current customers and tackling any problems found.
•Marketing the banking services with current and potential customers.