Commercial Relationship Manager
Bank of Jordan
مجموع سنوات الخبرة :11 years, 11 أشهر
• Relationship management of a complex commercial portfolio of greater than 20 million Jordanian Dinars, including the formulation and implementation of a plan for the portfolio.
• build a trusted, competent, and confident relationship with clients by having the capability and authority to provide financial solutions
• Cross-sell other bank services by cooperating with other areas of the bank to enhance the overall marketing effort
• Manage relationships and submit facility requests for underwriting and approval
• Be knowledgeable about a customer’s business and plans for the future, as well as the customer’s borrowing needs and ability to repay debt
• Monitors loan quality for possible past-due problems and for credit and collateral exceptions. Works with customers to correct any possible loan quality problems in a timely manner
• Negotiate within loan policy and procedure the terms under which credit will be extended to qualified customers including interest rate, repayment method, and collateral requirements.
• Maintain and build account profitability with new and assigned corporate clients by using a range of banking products and structures.
• Manage Loan Closings.
• Handling corporate clients for repetitive and higher revenue generation and maintaining excellent client relations.
• Responsible for origination, structuring, credit approval and ongoing credit monitoring of credit facilities for assigned clients and prospects.
Renovating and Restructuring the Corporate portfolio for : Housing bank of Jordan, ABC bank Jordan, Middle East Advisers Jordan. as a free lancer participant. Projects were in terms of Tier of the company, Company activity, Market segmentation, targeted facilities.
• Relationship management of a complex commercial portfolio of greater than 60 million, including the formulation and implementation of a plan for portfolio
• build a trusted, competent, and confident relationship with clients by having the capability and authority to provide financial solutions
• Cross-sell other bank services by cooperating with other areas of the bank to enhance the overall marketing effort
• Manage relationships and submit loan requests for underwriting and approval
• Be knowledgeable about a customer’s business and plans for the future, as well as the customer’s borrowing needs and ability to repay debt
• Negotiate within loan policy and procedure the terms under which credit will be extended to qualified customers including interest rate, repayment method, and collateral requirements.
• Handling Corporate clients for repetitive and higher revenue generation and maintaining excellent client relations
• Maintain and build account profitability with new and assigned corporate clients by using a range of banking products and structures.
• Responsible for origination, structuring, credit approval and ongoing credit monitoring of credit facilities for assigned clients and prospects.
• Manage clients to maximize income and return on capital within risk guidelines.
• Exercise strong credit and pricing skills making sound credit recommendations.
• Manage Loan Closings.
• Monitors loan quality for possible past-due problems and for credit and collateral exceptions. Works with customers to correct any possible loan quality problems in a timely manner.
• Provide HNI with banking private solutions and products for their retail needs.
Assisting in setting plans, objectives, and initiatives for the Retail Sales Department, and follow-up on implementing them.
Develop the products Sales and aligned with corporate strategies and objectives.
Build Direct Sales team, and structure the team reporting lines.
Develop the staff productivity & left up performance to the expected mark.
Follow-up on all new schemes & their regulations, and study their effect on the company receivables and employees KPI`s.
Monitor customer’s compliance, campaigns, and take the necessary actions towards it.
Ensure business environment is healthy, and progressive.
Submit the required reports to top management on achievements and new bench marks.
Develop special offers and campaigns in consultation with marketing team.
Formulate strategies to penetrate into targeted market, results in increasing banks market share.
Arranging and coaching customer events, aiming to maintain and enhance banks relationship with customers.
Assisting in setting plans, objectives, and initiatives for the Retail Sales Department, and follow-up on implementing them.
Develop the products Sales and aligned with corporate strategies and objectives.
Build Direct Sales team, and structure the team reporting lines.
Develop the staff productivity & left up performance to the expected mark.
Follow-up on all new schemes & their regulations, and study their effect on the company receivables and employees KPI`s.
Monitor customer’s compliance, campaigns, and take the necessary actions towards it.
Ensure business environment is healthy, and progressive.
Submit the required reports to top management on achievements and new bench marks.
Develop special offers and campaigns in consultation with marketing team.
Formulate strategies to penetrate into targeted market, results in increasing banks market share.
Arranging and coaching customer events, aiming to maintain and enhance banks relationship with customers.
Mainly responsible to achieve a target of credit cards for bank.
Meeting customers & explaining about the bank & the services offered
Checking the financial position of the customer and deciding if it is in conformity with the credit policy of the bank.
Assisting in maintaining the procedures of the sales department.
Targeting HNI as main client market segment
Assisting in modifying the system according to various needs of both customers and the staff.
Reviewing the files of all the sales representatives, as per the checklist.
Acted as sales group team leader during his vacation
MBA Degree in International corporate Banking from India.
Member & Certified Financial Analyst (CFA)
Member & Master Financial Professional (MFP)
Bachelor Degree in Business Administration from India.
Bachelor Degree in Finance & Banking Science from Jordan.