Assistant Relationship Banker
The National Commercial Bank
Total years of experience :20 years, 7 Months
• Market and Manage a portfolio of borrowing and non-borrowing relationship within the with turnover between 1M to 40M in various industries.
• Maintain regular contact with customers to maximize account profitability from each account.
• Study customers facility requirement and implementing the appropriate structure along with negotiate security and legal requirement in line with terms and condition to protect banks assets.
• Analyze the customer financial and evaluate risk analyses results of operation and financial.
• Prepare and recommend credit proposal to get the approvals for from credit committee.
• Monitor the utilization of approved limit while ensuring to be with credit policy.
• Work closely with other bank division such as Investment, Treasury, Cash Management, Trade, and Private Banking to market the cross selling of bank product and services to current / prospect clients.
•Established new borrowing relationships for business banking (SME) with turnover between 1M to 200M.
•Introducing NCB’s Products to SME clients.
•Prepare good quality proposals, on time, and with precise, analyzing all material performance and clearly highlighted all risk issues.
•Perform customer due diligence based on market information, documents submitted or may visit client’s location to know our client
•Understanding of the procedures being followed by other departments of the bank and maintains good working relations with them.
• Performing Sales, marketing, support and training services of our various corporate products such as Online banking, eTrade, Payroll, Electronic Payment, B2B, Capital Increase, Escrow accounts, Dividend distribution, Point of Sales, etc.
•Handling portfolio with over 500 clients selling all related products.
•Handling client with a different turnover size 25M - over 1B
•Drive Cash Management Sales and leads the discussion with Coverage to identify Cash Management opportunities.
• Consultative, product neutral approach providing the best solution for the client with a long term relationship in mind.
•Actively maintain knowledge of the market, competition, regulatory developments to be able to act internally and externally as a trusted adviser and thought leader.
•Deliver sharp and sleek Proposals and Pitches, correct in the content and the form.
•Maintain dialogue with the client during the deal, implementation and the lifetime of the relationship and becomes the “go-to” person for any Cash Management inquiries.
Responsibilities includes:
• Credit operational support. (Loans follow-ups, commission calculation for rectification purposes, trade products applications compliance with the approved conditions)
• Assessing financial reporting. (provide full details of current limits, outstanding balances, and available gaps, re-allocate and sub-allocate facilities whenever possible to cater for client’s need but within credit policy)
• Assistant to Relationship Managers of the group in matters related to business of the corporate customers. (preparing and updating the basic information sheets, updating the legal and commercial status of clients, re-set the authorities and insure compliance with the supporting legal documents and what was communicated to the bank)
• Involved in various MIS reporting of the group. (portfolio Risk rating, past-due amounts; causes and possible solution, limits implemented accurately, utilization and profitability levels)
• Communication with the Head Office for approvals of credit packages.
• Communication with other department such as Trade Treasury .etc in matters related to business. (to execute client’s requests, follow up on them, and insure fast execution, resolve all issues that may prevent any operational department from execution)
• Resolve all inquiries regarding L/Cs, L/Gs, Collection, etc
• Provide historical account statements/advices and the daily balance to clients.
2 out of 4
Administrative Assistant Course
BIS
Accounting