Relationship Manager
Bank Alfalah
مجموع سنوات الخبرة :10 years, 7 أشهر
• Business Development: Assist in business development efforts, including up-selling and crossselling to both existing and new customers by offering appropriate value-added features.
• Field Visits: Conduct field visits to both existing and potential customers to review the performance of their credit portfolio and understand their business potential. • Achieving Credit Portfolio Targets: Work towards achieving assigned credit portfolio targets for various products, meeting performance standards related to business targets, controls, compliance, and quality standards.
• Consistent Customer Service: Ensure consistency in delivering excellent customer service experiences to the client segment within the established parameters set by the Bank.
• Credit Assessment: Perform an initial assessment of credit applications, including analyzing financial statements and providing a preliminary assessment of the viability of lending and guidance on facility utilization.
• Customer Retention Strategies: Assist in implementing customer retention and anti-attrition strategies to enhance the business efforts aimed at the client segment.
• Risk Analysis and Enhancers: Analyze credit proposals, interpret financial aspects, identify risk factors, and recommend credit enhancers as per Credit policies and regulatory requirements.
• Customer Complaints and Disputes: Handle complex customer complaints, disputes, and other actionable data promptly, and route them to the relevant internal stakeholders for timely resolution.
• Review of Facility Release and Amendments: Review facility release and amendment forms to ensure acceptable risk levels at pre- and post-sanction stages, and compliance with approval terms and policies before disbursement or recoveries of client accounts' allotted portfolio.
• Facility Renewals and Account Monitoring: Assist in preparing facility renewals and monitor past dues, while implementing preventive/corrective measures to regularize accounts as directed.
• Credit Worthiness Assessment: Support the assessment of creditworthiness for customers who have been granted facilities or are seeking such facilities and make appropriate recommendations through Credit Applications.
Overall, this position is responsible for managing credit portfolios, maintaining strong customer relationships, ensuring regulatory compliance, and contributing to the growth of the business by offering value-added products and services to clients.
• Income and Business Reports: Prepare reports related to income and business performance. • Claims Resolution: Investigate and resolve reasons for claim rejections. • Contracts with Insurance Companies: Negotiate and establish new contracts with insurance companies. • Insurance Account Management: Manage insurance accounts and perform reconciliation activities. • Pre-screening Claims Files: Evaluate claim files in a pre-screening process. • Record Keeping: Maintain records related to insurance operations. • Insurance Approvals: Manage approvals from insurance companies. • Claims Follow-up: Follow up on claims and recoveries. • Coordination with Government Authorities: Coordinate with government authorities for implementing new policies within the organization. • Reporting to General Manager: Provide direct reports and updates to the General Manager. • Team Management: Manage and oversee team members. • Business Plans and Policies: Develop business plans and policies to enhance the insurance business. • Monthly Business Analysis: Conduct monthly business analysis. • Visits of Insurance Companies: Conduct visits to insurance companies. • Target Market Approach: Engage with target markets and stakeholders. • Monthly Recovery Targets: Achieve monthly recovery targets. • Meeting Attendance and Training: Attend meetings and training sessions to enhance business knowledge. • Product Knowledge: Provide product knowledge to internal and external stakeholders. • Meetings with Companies: Arrange meetings with companies to enhance the target market. • Insurance Sales Promotions: Participate in insurance sales promotions activities. • Building Professional Relations: Establish and maintain professional relationships with stakeholders. • Assistance to Related Departments: Provide assistance to related departments such as accounts, operations, and medical staff. • Customer Service Support: Offer customer service support to clients. • Customer Query Resolution: Resolve customer queries and problems related to insurance products. • Commission Reports: Prepare commission reports for the staff. • Sales Promotion Ideas: Share sales promotion ideas and suggestions with senior management and line managers.
Overall, this position is a wide range of tasks, including managing insurance operations, working on claims, engaging in sales activities, coordinating with various parties, and providing support to both internal and external stakeholders. It also involves data analysis, team management, and customer service aspects in the insurance business.
• Collect Financial Information: Gather relevant financial information from clients, such as taxes and debts. • Credit Evaluation: Assess the creditworthiness and eligibility of clients for obtaining a mortgage loan. • Client Interviews: Conduct interviews with clients to understand their financial needs and preferences. • Mortgage Loan Guidance: Provide guidance to clients on various mortgage loan options available to them. • Loan Application Preparation: Assist clients in preparing and submitting mortgage loan applications. • Compliance with Financial Rules: Ensure that all data and documentation adhere to national and local financial regulations. • Application Process Monitoring: Keep track of the mortgage loan application processes and provide updates to clients. • Loan Approval or Rejection: Inform clients about the status of their loan applications, whether approved or rejected. • Research on Mortgage Loan Policies: Stay updated on new mortgage loan policies and industry developments. • Privacy and Confidentiality Compliance: Adhere to privacy laws and maintain client confidentiality throughout the process. • Building Referral Network: Establish and maintain a supportive referral network with clients, lenders, and real estate agents. • Daily Branch Visits: Visit assigned branches daily for business purposes. • Target Market Approach: Engage with target markets and stakeholders to increase business opportunities. • Monthly Sales Targets: Achieve monthly sales targets related to mortgage loans. • Sales Meetings and Trainings: Attend sales meetings and training sessions to improve sales skills and knowledge. • Meetings with Companies: Arrange meetings with companies to expand the target market and increase sales volume. • Sales Promotions Activities: Participate in sales promotions activities to attract potential customers. • Building Professional Relationships: Establish and maintain professional relationships with stakeholders, including clients and partners. • Loan Disbursement: Oversee the disbursement of approved mortgage loans to clients. • Loan Applications Pre-screening: Evaluate loan applications in a pre-screening process. Overall, this position involves a combination of mortgage loan processing, sales, client interactions, and compliance responsibilities. The mortgage loan officer is responsible for helping clients secure mortgage loans while adhering to relevant regulations and building a network of relationships to enhance sales opportunities.
• Negotiating Mortgage Terms: Negotiate with companies or financial institutions to modify mortgage terms or interest rates to help customers avoid foreclosure. • Marketing Plans: Develop marketing plans to increase awareness of the company's mortgage services among potential customers interested in buying, constructing, or refinancing a home. • Team Management: Manage a team of mortgage agents responsible for selling mortgages to potential customers. • Client Relationship Management: Maintain relationships with current clients to secure new business opportunities. • Market Monitoring: Monitor real estate market trends, including property prices and interest rates, to adjust sales strategies accordingly. • Loan Application Review: Review loan applications submitted by potential borrowers to determine their eligibility for a loan. • Contract Preparation: Prepare contracts for new loans or modifications to existing ones, ensuring they conform to industry standards. • Regulatory Compliance: Review loan applications to ensure they meet all regulatory requirements. • Affordability Negotiation: Negotiate with borrowers to ensure they can afford the payments on their new mortgage loans. • Daily Branch Visits: Visit assigned branches daily for business purposes. • Target Market Approach: Engage with target markets and stakeholders to increase business opportunities. • Monthly Sales Targets: Achieve monthly sales targets related to mortgage loans. • Sales Meetings and Trainings: Attend sales meetings and training sessions to improve sales skills and knowledge. • Building Professional Relationships: Establish and maintain professional relationships with stakeholders, including clients and partners. • Customer Service Support: Provide customer service support to clients. • Product Knowledge: Offer detailed product knowledge to customers regarding mortgage offerings. • Customer Query Resolution: Resolve customer queries and problems related to mortgage products. • Sales Promotion Ideas: Share sales promotion ideas and suggestions with senior management and line managers. • Loan File Preparation: Prepare complete loan files and obtain approval from authorities. • Property Document Review: Review property documents related to mortgage loan applications. • Loan Disbursement: Oversee the disbursement of approved mortgage loans. • Sales Team Coordination: Coordinate with the sales team to ensure smooth operations and collaboration. Overall, this role involves a combination of managing sales activities, ensuring regulatory compliance, providing excellent customer service, and overseeing the loan application and disbursement processes within the mortgage lending business.
• Pre-screening of Cases: Review and pre-screen loan applications and related documents to assess eligibility and readiness for further processing. • Verification Department Coordination: Collaborate with the verification department to verify applicant information and documents. • Legal Affairs Coordination: Work with lawyers for legal opinions and handle legal affairs related to loan cases. • Income Estimation and Property Evaluation: Coordinate with departments responsible for income estimation and property evaluation for loan assessment purposes. • Record Keeping: Maintain comprehensive records regarding loan cases and related activities. • Credit Assessment Department (CAD) Coordination: Collaborate with the Credit Assessment Department for credit evaluation and decision-making. • Sales Team Coordination: Coordinate with the sales team to ensure smooth communication and processing of loan applications. • Income Calculation: Calculate the income of the loan applicant after reviewing their case. • Debt Burden Ratio Calculation: Determine the debt burden ratio based on data checks and information from credit bureaus (e.g., Electronic Credit Information Bureau). • Document Verification: Conduct telephonic verification of all provided documents to ensure authenticity. • Discrepancy Resolution: Resolve discrepancies related to loan products and applicant information. • Product Knowledge: Provide product knowledge and information to external stakeholders, such as customers or clients. • Fraud and Risk Management Coordination: Coordinate with the Fraud and Risk Management Unit to mitigate potential risks and fraud. • External Agency Coordination: Collaborate with external agencies for verification and assessment purposes. • Credit Meetings with Customers: Attend and arrange credit meetings with customers to discuss loan terms and conditions. • External Verification Arrangements: Arrange external verifications with coordination of verification agencies for additional validation. Overall, this role plays a critical part in the loan application and assessment process, ensuring accuracy, compliance, and risk management throughout. The job involves interacting with multiple departments, external agencies, and customers to facilitate efficient and secure loan processing.
• Reporting Structure: Directly report to the Sales Manager and Regional Sales Manager, providing them with updates and relevant information. • Pre-Screening and Analysis: Conduct pre-screening of files and analyze the credibility and profile of applications for sales. • Bridge between Sales Team and Analysts: Act as a liaison between the sales team and analysts to resolve discrepancies and report concerns to the appropriate personnel. • Coordination with Internal Stakeholders: Collaborate with internal stakeholders, including operations, to ensure the fast and smooth processing of sales cases. • External Stakeholder Coordination: Coordinate with external stakeholders to facilitate the processing of sales cases. • Internal Verification: Personally contact customers for internal verification purposes. • Sales Reporting: Prepare daily and weekly sales reports to track performance and provide insights. • Records Management: Maintain records related to sales performance, ensuring data accuracy and accessibility. • Team Leadership: Lead and manage a team, ensuring their tasks are carried out effectively. • Sales Task Achievement: Ensure that sales-related tasks are achieved in a timely and efficient manner. • Higher Management Approvals: Obtain required approvals from higher management for specific sales cases or decisions. Overall, this role plays a critical part in supporting the sales team, coordinating with various stakeholders, and ensuring that sales processes are smooth and efficient. The job involves data analysis, reporting, and team leadership to achieve sales targets and maintain a high level of performance.
