Senior Relationship Manager
Arab investment bank
Total years of experience :18 years, 6 Months
1- Screens proposed customers against Target Market Plan and Risk Acceptance Criteria, to initially identify credit risk appetite for obligors and setting the facility structure, subject to Business and Risk Management approvals and the Wholesale Bank Policy.
2- Furnishes / updates the Business Analyst with client information, financial statements, and relevant data, for the different types of CA reviews (Annual, Initial, Interim etc.).
3- Reviews/Approves extensions of credit (for Credit Officers) and ensure that the data within these extensions of credit are accurate and that they are designed with the appropriate requested facility package and all credit risks are properly addressed.
4- Ensures that the extensions of credit are consistent with the relationship profile and endorsing the risk/reward balance.
5- Ensures appropriate obligor / facility risk ratings in line with the risk ratings Policy of the bank.
6- Conducts regular accounts follow up assisted by periodical reports to avoid the manifestation of past dues, excess and the breach of terms and conditions of the approved facilities.
7- Monitors changes in the risk position of the clients using renewal and monitoring tools, and are promptly communicated to Business and Risk managers.
8- Maintains regular contacts with customers to sort any internal/ departmental issues with immediate action
9- Conducts periodic client calls / site visits and document client calls with the frequency indicated in the Credit Analysis section.
10- Maintains customer loyalty and promote brand identity by providing excellent customer service via regular updates and reviews on bank’s range of financial products as well as customers’ financial needs.
11- Provides quality service to clients and closely follow up and ensure the processing of all requests (new facilities, increase of existing facilities, amendments, waivers, operations requests etc.)
12- Prepares target list of potential relationships.
13- conducts marketing calls to screen the market and approaching potential relationships.
14- Identifies expansion opportunities with existing clientele base to achieve portfolio growth.
15-Monitor practices of competition and report findings to Unit & Department Heads.
16-Provides product specialists with qualified referrals for cross-sell. Responsible for overall parent relationship management and providing a wide range of treasury, cash management, trade and corporate finance products and solutions.
17-Closely monitors Past Dues Report, and take any required action, after consulting with Unit Head and/or Wholesale Bank Head.
18- Ensures that extensions of credit follow regulatory limits and the Central Bank of Egypt regulations and guidelines.
19- Initiates “credit checking and ensure their completeness by the time of the credit approval.
20- Provides recommendations to improve the current procedures and processes to ensure that work is carried out in an efficient manna
21- Opening Client's accounts.
22- Responsible for achieving assigned Branch retail budget and team under my supervision.
23- Receiving & handling all clients' instructions / inquiries.
24- Issuance of new fully secured Overdraft A/C’s
Union National Bank- Egypt - Manager customer service (Deputy Branch Manager)
Sep 2012 - Till present
Opening Client's accounts.
- To coach, manage CSO's and provide them with the necessary guidance to meet their objectives
- Responsible for achieving assigned Branch retail budget an team under my supervision.
- Receiving & handling all clients' instructions / inquiries.
- Promote / Cross sell all bank retail products.
- Acquire new potential clients.
- Prepare /Check all retail products' documents.
- Printing client's statements / Position.
- Follow up all clients' expired documents, to ensure obtaining update in proper time.
- Follows up receipt & delivery of borrowing dox.
- Acting as point of Co-ordination between client & other bank's departments.
- Non financial modifications.
- Handling Cheque Book requests process.
- Issuance of customer balance certificates.
- collect data from customer service assistant.
Loans services: -Issuance of new fully secured Overdraft A/C's
-Preparation of Credit Appraisals (Issuance and Renewal)
-Follow up of visa and loan payments
- To manage and develop the relationships of HNW's assigned to her/him and to provide superior
Service to existing as well as new clients and to ensure that client inquiries are promptly dealt with.
- To ensure that appropriate client investment questionnaires are prepared and that clients risk appetite
Moreover, investment strategy is appropriately identified.
- To ensure that clients introduced to CAE enjoy utmost integrity, reputation, and that appropriate
KYC and compliance requirements are implemented and updated.
- To ensure that documentation required operating the account is obtained and that clients files under
Her /his responsibilities are always complete.
- To ensure that all control, operational and audit issues relating to Premier Customer activities are
Properly applied and to liaise closely with other departments to achieve adherence to policies,
Audit and control procedures.
- To call on the clients assigned to him/her regularity and to document the call by preparing relevant
Call reports.
- To prepare a list of prospective clients and to always ensure calling on prospects to solicit new clients
For the Premier Customer.
- To play a key role in achieving the strategy and providing feedback from the market.
- Responsible for conducting quarterly / yearly performance appraisal for subordinates.
- Prepare weekly scorecards and summary activity report
Credit agricole egypt -Sarwat Branch - Customer Service Supervisor -June 2008- till Aug 2012
❑ Acting as Relationship manager
Opening Client's accounts.
- Responsible for achieving assigned Branch retail budget and team under my supervision.
- Receiving & handling all clients' instructions / inquiries.
- Promote / Cross sell all bank retail products.
- Acquire new potential clients.
- Prepare /Check all retail products' documents.
- Printing client's statements / Position.
- Follow up all clients' expired documents, to ensure obtaining update in proper time.
- Follows up receipt & delivery of borrowing dox.
- Acting as point of Co-ordination between client & other bank's departments.
- Non financial modifications.
- Handling Cheque Book requests process.
- Issuance of customer balance certificates.
- collect data from customer service assistant.
Loans services: -Issuance of new fully secured Overdraft A/C's
-Preparation of Credit Appraisals (Issuance and Renewal)
-Follow up of visa payments
Arab Bank - El Mohandseen Branch - sales Officer- Jan 2006- Dec 2006.
Managed to achieve target by selling credit cards and handling customer complains.
Personal and professional management skills. Work effectively under pressure.
Make decisions, hard worker.
□ Loans services:
Citibank - Mosadak Branch - Customer care and sales officer - Jun 2004 to Dec 2005.
I'm responsible of receiving our client complains and solve it then give him the solution
• Working as a sales officer (credit cards & personal loans)
• Managed to achieve target by selling credit cards and handling customer complains.
• Personal and professional management skills.
• Work effectively under pressure. Make decisions, hard worker.
Bachelor of Computer Science, Modern academy in maadi, May 2004. ❑ Grade "V Good"
thanawia amma