Relationship Manager
CurrentClient Acquisition & Relationship Building:• Identify and acquire new SME clients, expanding the bank’s portfolio.• Develop and maintain long-term relationships with SME clients by understanding their financial needs.• Act as the primary point of contact for clients, ensuring excellent customer service. Portfolio Management:• Manage and grow a portfolio of SME clients by offering a range of banking products and services • Ensure regular reviews and updates on the financial health and creditworthiness of clients.• Monitor the portfolio’s performance, identifying risks and opportunities for cross-selling.Credit Analysis & Proposal Development:• Work closely with credit analysts to evaluate clients’ financial statements, cash flows, and business potential.• Prepare comprehensive credit proposals for loan applications, ensuring adherence to credit policies and risk management frameworks.• Recommend suitable financing structures, products, and terms to meet client needs.Sales & Business Development:• Proactively identify business opportunities within the SME sector and generate leads through networking and market research.• Meet or exceed set revenue targets by selling and cross-selling the bank’s financial products to existing and prospective clients.• Coordinate with other divisions (e.g., retail, corporate) to explore synergies and offer holistic financial solutions to clients.Risk Management & Compliance:• Ensure that all transactions and client dealings comply with the bank’s internal policies, regulatory requirements, and anti-money laundering (AML) guidelines.• Manage the risk profile of the portfolio, taking action on delinquent accounts and ensuring appropriate risk mitigation measures.• Collaborate with the risk and compliance teams to ensure timely approvals and adherence to lending limits.• Collaboration & Stakeholder Engagement: