Job Purpose:

To have a holistic view of all accounts within his/her portfolio, using lead generation & account prioritization to cross sell Bank Products and extract value from said portfolio whilst maintaining/ building customer relationship and account information

Key Responsibilities

Grow both Retail & SME customer portfolio size (product per customer, non-funded income, deposits and assets) by acquiring new to Bank customers and deepening existing customer relationships

Actively generates referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity

Ensure a clear retention plan for overall portfolio deposits and loans for the segment, to execute this plan in conjunction with Branch Managers

Proactively anticipate customer needs and propose solution in collaboration with product specialist

Ensure prompt resolution of customer queries and in an appropriate manner

Understand business, the life-cycles and the various product offerings that can be given to the customer

Evaluate credit proposals and ensure the credit applications process on a timely basis with the bank’s set turnaround times

Prepare reports in time and ensure all customers engagements are recorded accordingly

Ensure compliance with both internal and external regulatory requirements

Continuously follow business operational and credit policies ensuring their compliance

Safeguard and promote the bank’s image with the general public

Contact the client immediately (meeting him/her in person if required) in the event of nonpayment of a facility instalment, and, if not resolved, take subsequent actions to recover credit in arrears according Bank procedures.

Review and provide detailed input into the credit proposals prepared by the SME Analyst, noting that the RM is ultimately responsible for preparing a comprehensive, high-quality credit proposal

Support the credit appraisal, disbursement and recovery (where necessary) processes in line with the policies and procedures

Take a proactive approach to client planning across the portfolio collaborating with product partners and senior management, as appropriate

Ensuring that Shariah-related guidelines, Know Your Customer (KYC), Anti-Money Laundering (AML), and other policies are adhered to

Ensuring that all customer information and queries are treated in line with confidentiality agreements as per the RM’s employment contract with the Bank.

Skills, Experience and Competencies

Business graduate from an accredited university preferably with a major in Finance, Marketing and/or Economics

At least four (4) years’ experience in banking, with proven experience of at least two (2) years in a similar position or at least 3 years banking experience with sales/marketing background, where he/she managed a portfolio of Retail and/or SME clients

Experience in business development and relationship management

Excellent interpersonal skills

Excellent communication and presentation skills

Deciding and Initiating Action

Delivering results and meeting customer expectations

Personal attributes:

Entrepreneurial skills and commercial thinking

Strong in business development

Good negotiation and influencing skills

Good in planning, prioritizing and organizing

Relating and Networking