Accountabilities & Key Roles:
- Improve profitability of the portfolio by achieving set objectives by proactively managing relationship with existing and developing/building relationships with new unit Clients.
- Enhance the marketing process for credit facilities (Up-Selling) and (Cross Selling) and implement marketing strategy within the unit.
- Analyze and evaluate credit data and financial statements to determine the level of risk and assisting on the credit facility structure, collaterals and terms & conditions;
- Identify existing and potential key Clients and define their needs.
- Handle the clients portfolio that are considered small to medium under supervision from Sr. RM/Unit Head.
- Analyze clients complaints, follow-up on service recovery process to achieve customer satisfaction.
- Ensure periodic updating for industrial studies.
- Build financial modeling and financial spreading for clients.
- Conduct risk analysis/determination activities based on the analyzed credit data and financial statements to provide credit recommendation proposals.
- Ensure steadiness and growth for both Credit Facilities and Deposits portfolio's (simultaneous Growth)
- Liaise with segments to provide high quality service levels and ensure adequate turnaround times.
- Suggest improvement initiatives and innovative idea to achieve business growth and continuity.
- Perfume analysis and assessment for clients needs of new products and services.
- Collect all required documents to make a credit decision.
- Implementing field visits to clients.
- Review and recommend credit requests to ensure adherence to credit policies, and appropriate risk-return propositions.
- Suggest initiative to increase the unit portfolio and customer base.
- Analyze and study the market to find new business opportunities and utilize them.
- Manage active/current customer portfolio.
Job Requirements:
Education:
- Undergraduate degree in business or related field from a recognized university.
Experience:
-At least 8 years of relationship experience in a leading international/Regional Bank.
-Competences:
- Excellent in English & target market language.
- Thorough understanding banking products and services.
- Proven ability to develop relationships with clients/companies.
- Good exposure to industry sectors.
- Proven analytical and modeling skills and thorough understanding of financial statement.
- Excellent understanding of lending practices.
- Excellent interpersonal, negotiation, communication skills
What We Offer at Arab Bank
At Arab Bank, we offer a purpose-driven and inclusive environment where innovation, continuous learning, and employee wellbeing are at the core. We are proud to welcome individuals of all generations, genders, and backgrounds, valuing the diverse perspectives that strengthen our culture and contribute to our success.
