Relationship Manager Credits
As RM I was responsible for following tasks, •Primary responsibilities included, marketing of fresh clients (asset based) to the bank and monitoring of existing portfolio both in short and long term modes•Credit evaluation of customer, identifying the customer financial need and structuring of customer’s facilities both in long term and short term like Murabaha, Ijara, Salam, Istisna and Diminishing Musharaka•Ensure timely processing of fresh & existing credit proposals, arrange timely approvals of proposed facilities from Risk Division, liaison with CAD for completion of all post approval formalities•Ensure timely disbursements in corporate accounts & timely recovery of Islamic deals to avoid income loss•Generation of improved yield on relationships with optimal utilization of limits•Conducting borrower’s financial and operating analysis, Industry analysis, business process analysis, Security Analysis and Risk Analysis.•Compliance of Prudential Regulations of Central Bank (Regulator) and compliance of Sharia guidelines•Ensures timely and accurate submission of MIS and follow-up reports for the Management review•deposit mobilization in CASA modes from corporate accounts with cross selling of other Bank's products•Client visits, ECIB search reports, registration of charge over customer’s assets with SECP•Preparing reports related to portfolio and sales pipeline on fortnightly and monthly basis•Responsible for quality of assets in the portfolio. Follow up for regularization and recovery of sticky/special mention/classified accounts in the portfolio.•Customer File maintenance and keep it updated for ready reference and audit purpose•Monitoring of credit documentation exceptions and its removal to keep the portfolio clean•Coordination with Takaful company for arrangement of Takaful policies and on time claim processing •Regular meetings with Takaful Coordinator for achievement of assigned targets and future sales strategy
