Assist the Director and the SMEs Head in developing the SMEs portfolio in the assigned area.
Finalizing the various reports required by management/other departments, etc.
Assist the Director in managing and developing the SMEs portfolio.
Ensure the right implementation of the aggressive business plans, and the achievement of targets by attracting new business opportunities in order to expand the portfolio.
Assist in identifying market opportunities and conduct initial market screening.
Manage, develop, enhance utilization and maximize account profitability of the assigned portfolio (part of the area portfolio)
Cross selling bank’s products and achieve assigned budget, contribute to the profitability of the bank by exceeding lending and deposit budget, broken down into monthly targets for respective area.
Assist in managing the assigned portfolio and develop new relationship under guidance of Director.
Assist in obtaining information / analysis on assigned accounts to the Sector including industry studies.
Initiate marketing call with a view to soliciting new profitable business relationships and developing existing relationships making regular calls on clients and potential clients and documenting these communications in call memos for presentation to higher officials.
Evaluate a credit relationship employing sound credit appraisal / techniques / principles in line with current Bank’s policy, CPM, AOM, SME-M in addition to local regulations.
Prepare package; completed the basic information in facility reviews, spreading and analyzing financial reports, preparing returns, reports and statistics for management review.
Ensure protection of the Banks assets at all times by closely monitoring the account relationship documentation and collateral position and promptly suggesting classification whenever it is deemed necessary and as per the Bank’s CPM and local regulations.
Responsible for obtaining all security / support and other conditions stipulated by the sanction from the customer before utilization of facilities.
Fully responsible for all the contents of the credit application (analysis, market information, business information …etc) prepared by him or reviewed after a junior staff and its related correspondences, based on which the credit judgment and decision is taken by the concerned authority.
Maintain regular and close follow up of SMEs accounts under his/her control in regards to account performance, market perception concerning the industry or the customer personally.
Responsible for all classified SMEs accounts in the related to the Branch.
Ensure that the concerned Manager is kept informed of all matters relating to existing and potential SMEs business.
|Career Level:||Mid Career|