Relationship Manager - Retail SME Job

Job Purpose

•    To manage customer relationships across assigned region handling Retail SME customers with a turnover up to AED 10M for all products & services within the Retail SME suite to achieve the Unit’s business and revenue targets.
•    To ensure that any staff are fully aware of the banks Retail SME products (Assets, Liabilities etc.) & operation process (P&PM) & policies as well as credit policy to ensure reducing the percentage of rejection / declined cases (all Retail SME products, Accounts opening, loans…. etc.) & arrange training if required.
•    To manage the segment allocation to maximise return & ensure within limits.

Key Accountabilities

Financial:

*To achieve the stipulated annual targets of the Unit in assigned region with respect to:-

•    On-boarding new customers
•    Balance sheet growth. 
•    Operating income & expenses.
•    Cross Selling. 

To review credit proposals/memos to ensure compliance with policy prior to submission to relevant authorities.

Prepare documentation for exceptions to policy for presentation.

Minimise past dues, provisions & loan losses.

Portfolio monitoring.

Other Accountabilities

Product:

•    To provide input on marketplace activity for consideration of product / policy / procedural change.

Staff & Service Quality:

•    To monitor the performances / objectives of outsourced team (if applicable).
•    To ensure providing high quality service to customers by relationship team.
•    To help achieving set targets in terms of service standards for customer transactions.

Compliance:

•    Adherence to the Standard Operation Procedures.
•    Adherence to the procedures & policies on Credit Risk.
•    Adherence to Anti-Money Laundering Procedures – AML & to be updated with the latest guidelines.
•    Ensure that all new acquisitions done are KYC compliant.
•    Ensure that local regulatory compliance functions are in place and monitored properly.
•    Ensure that business risks and controls are well managed 
•    Compliance with code of conduct.

Administration:

•    Report to SM Retail SME on a weekly basis in relation to the Units performance.
 

Other Accountabilities

Job Context

A general commentary of any aspects of the job that do not fit logically in the other sections e.g. current projects, operating context/environment.

The job holder will support SM Retail SME for successful delivery and ongoing performance in the assigned region.

To provide feedback to enable service delivery enhancement.
 

Education

Experience and Skills

Skills

•    Strong selling, relationship and inter personal skills required to convince customers and sell bank products
•    Communicates clearly and precisely
•    Basic Arabic (preferred)

Work Experience 
•    A minimum of 3 years’ experience in Relationship Management with at least 2 years in SME position.
 

Behavioural Competencies

Technical Competencies