Relationship Manager - Business Banking -Liabilities

To focus on acquiring small to medium customer relationships primarily concerned with liabilities booking, providing general and tailored advice/solutions to customers, maintaining a well structured portfolio in line with Bank’s risk and regulatory frameworks. Major responsibilities will also include enhancing revenue generation from existing and new relationships, providing high service standards and ensuring compliance with Bank’s polices and regulations. Acquire New-To-Bank clients with focus on high value deposit customers to bring budgeted NNM(Net New Money) to the bank and also maintain profitable SME liability/deposits relationships which will help to meet the individual and Unit targets. Seek out opportunities to actively market “NTB” SME relationships in line with bank’s policy and procedures / sharia laws. Regularly review the market trends to identify profitable opportunities in selected segments in line with Bank’s overall policy and risk appetite. Manage in absence of the Unit Head, a team of RM/RO/CSRs and provide leadership to Business Banking RMs and ROs to acquire and grow relationships selectively and satisfy transactional needs of Business Banking customers. Identify and analyze the areas of potential risk under the portfolio and find appropriate solutions. Implement agreed relationship management approaches in order to project the Bank’s image in the market and achieve targeted volumes/revenues Ensure effective utilization of accounts opened in order to maximize liabilities targets identified (Casa, Fixed Deposits). Identify loss making customers and devise ways to improve their profitability (cross-selling, up-selling or encourage to leave - Exit). Continuously seek to increase revenue margins to be generated from customers. Ensure permanent profitable customer transactions vis-à-vis the associated risks. Recognize early warning signals of unsatisfactory account conduct. Adhere and comply with EIs internal applicable policies and procedures as well as governing regulations issued by concerned authorities. Cooperate and facilitate work of internal audit and risk management to address gaps, and respond to audit reports within agreed deadlines. Monitor money laundering activities, and coordinate remedial actions with management. Bachelor graduate Experience in SME Liabilities & Trade (over 5 years)