Sme Rm

Job Requirements:

Education:

• University degree in business from a recognized university.

Experience:

• + 5 years SME/ Corporate experience in a leading international/Regional Bank.

-Competences:

• Good in English & Arabic.
• Thorough understanding of the full range of banking products and services.
• Proven ability to develop relationships with SME companies.
• Proven analytical and modeling skills and thorough understanding of financial statement.
• Excellent understanding of lending practices.
• Excellent interpersonal, negotiation, communication and sales skills.

AAccountabilities and Key Roles:

• Achieving set objectives by proactively managing relationship with existing and developing/building relationships with new SME Clients .
• Enhancing the marketing process for credit facilities (Up-Selling) and coordinate with other SBU 's (Cross Selling).
• Improving the profitability of SME portfolio.
• Ensuring compliance with the set policies & procedures.
• Ensure the implementation of marketing strategy within the SME section
• Identify existing and potential key SME Clients and define their needs
• Manage SME Clients relationships in a way to achieve set targets.
• Maximize the up-selling and cross-selling of other SBU' s products and services
• Maximize the value of SME relationships by promoting and selling the digital services.
• Identify new products and services to meet Clients requirements and needs.
• Ensure steadiness and growth for both Credit Facilities and Deposits portfolio's (simultaneous Growth)
• Oversee the state of the clients to ensure their solvency.
• Liaise with other concerned teams to provide high quality service levels and ensure adequate turnaround times.
• Collect all required documents to make a credit decision.
• Carry out field visits to SME clients and prepare a call report with each credit report.
• Follow up clients' complaints, and service recovery process.
• Review and recommend credit requests to ensure adherence to credit policies, and appropriate risk-return propositions.
• Responsible for lines of credit renewals and management of inward clearing to SME accounts.
• Adhere to collection efforts procedures to ensure performing and healthier portfolio, to stimulate profitability.