Relationship Manager

1.                1. Area of Responsibility:

·       Policies, Processes & Procedures:

·        Follows all relevant departmental policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent manner

·       Day- to-day operations:

·       Follows the day-to-day operations related to own job to ensure continuity of work

·        Sales and Relationship Management:

·        Builds relationships with clients that are buyers of financial services through visits to major prospects and existing customers.

·       Develops a thorough understanding of customer’s organization, industry and global practices to maintain proximity to the clients and meet their banking needs and expectations.

·        Business Development:

·        Identifies revenue opportunities to actively sell Retail Banking products in order to support the sales targets

·        Maximizes product penetration and cross selling and actively seeks structured finance opportunities in-order to ensure the services required by the organization are delivered in the most effective manner.

·        Develops account plans in a consistent and timely manner in order to swiftly follow-up on identified action items

·       Product Enhancement:

·       Provides inputs and governmental demand insights to the team for loans which are commercially viable and also meet the required market demand.

·       Credit Approval:

·        Reviews CAs and approve them as per authority levels in order to ensure quality and completeness of all CAs before sending them to Credit for CA Review.

·       Collaborates with the Credit Analytics Unit and Risk Management on an ongoing basis in order to constantly secure and enhance the quality of the credit portfolio.

·        Continuous Improvement:

·       Contributes to the identification of opportunities for continuous improvement of processes and practices taking into account international best practice’, improvement of business processes, cost reduction and productivity improvement

·        Reporting:

·        Assists in the preparation of timely and accurate reports of Riyad Bank to meet company and department requirements, policies and standards

·        Safety, Quality & Environment:

·        Complies with all relevant safety, quality and environmental management policies, procedures and controls to ensure a healthy and safe work environment

2.        Qualification and Experience:

§  Minimum Qualifications:

·        Bachelor’s degree in Business with preferably a specialization in Finance or Accounting

§  Minimum Experience:

·        2-6 years relevant experience in the banking sector

3.        Technical Knowledge Areas:

·        Knowledge in Retail Banking products and services

·        Knowledge in client relationship planning

·        Ability in business development and planning

Skills Description :

·        Strong understanding of financial products and services

·        Excellent communication and interpersonal skills

·        Proven track record in building and maintaining relationships with high net worth clients

·        Knowledge of investment strategies and wealth management

·        Ability to analyze and interpret financial statements

·        Strong sales and negotiation skills

·        Familiarity with banking regulations and compliance procedures

·        Attention to detail and strong organizational skills

·        Ability to work effectively in a team environment

·        Proficiency in relevant software and tools for relationship management and client communication