Role Objective The Assistant Relationship Manager will assist in booking quality assets through offering credit solutions and credit enhancements for the allocated individual / portfolio of clients, thereby enhancing the service delivery/business development efforts of Services sector. The job holder will assist in preparation and preliminary assessment of credit application, acquisition and retention of customers, account performance review, arranging optimal financial solutions and customer issue/query resolution, as per the internal policies/ procedures and QCB guidelines. Detailed Roles and Responsibilities: Perform all activities, as assigned by the reporting authorities, in compliance with regulatory guidelines, and internal policies and procedures.
Assist in direct sales, up-sales and cross sales efforts, to the existing and new customers through appropriate propositions through incremental value-added features. Assist in initiating field visits to existing / new customers to review the portfolio performance and to observe / understand the business potential. Achieve the assigned credit portfolio targets pertaining to various products, ensuring all performance standards are met in terms of the business targets, controls, compliance, and quality standards. Ensure consistency of customer service experience / service delivery to the Services sector client segment, within the parameters set by the Bank.
Ensure Internal Credit Rating and RAROC is carried out for all lending clients and update same on annual basis or as and when a new facility is granted, new information available etc. Prepare /perform initial assessment of credit applications of customers, analyze financial statement, prepare credit summary for the customer and provide preliminary assessment on the viability of lending and guide on utilization of facilities. Support in the implementation of efficient customer retention / anti-attrition strategies, in support of the business enhancement efforts targeted at Services sector client segment, as per the directives of the reporting authorities.
Perform initial analysis of credit proposals with appropriate interpretations on the financial aspects and identify the risk factors and suggest credit enhancers, as applicable, in consistent with the Credit policies and regulatory framework. Promptly solve / route complex customer complaints / disputes/ other actionable data to the relevant internal stakeholders for timey resolution. Educational Qualifications: University graduate with a degree in Business or Banking or Finance or any other related discipline. Master’s degree in Management any other related discipline will be an added advantage. Experience:
06-10 years of total experience in financial services/banking industry, entailing responsibilities pertaining to the specific area of discipline. Experience in business / relationship management in Services sector, with strong understanding of the local banking industry. Certifications: Professional certification such as CFA/ CPA/ CA and or CMA is preferable
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