Relationship Manager - Affluent Banking

1- Area of Responsibility:

• Policies, Processes & Procedures:
• Follows all relevant departmental policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent manner

• Day- to-day operations:
• Follows the day-to-day operations related to own job to ensure continuity of work

• Sales and Relationship Management:
• Builds relationships with clients that are buyers of financial services through visits to major prospects and existing customers.
• Develops a thorough understanding of customer’s organization, industry and global practices to maintain proximity to the clients and meet their banking needs and expectations.

• Business Development:
• Identifies revenue opportunities to actively sell Retail Banking products in order to support the sales targets
• Maximizes product penetration and cross selling and actively seeks structured finance opportunities in-order to ensure the services required by the organization are delivered in the most effective manner.
• Develops account plans in a consistent and timely manner in order to swiftly follow-up on identified action items

• Product Enhancement:
• Provides inputs and governmental demand insights to the team for loans which are commercially viable and also meet the required market demand.

• Credit Approval:
• Reviews CAs and approve them as per authority levels in order to ensure quality and completeness of all CAs before sending them to Credit for CA Review.
• Collaborates with the Credit Analytics Unit and Risk Management on an ongoing basis in order to constantly secure and enhance the quality of the credit portfolio.

• Continuous Improvement:
• Contributes to the identification of opportunities for continuous improvement of processes and practices taking into account international best practice’, improvement of business processes, cost reduction and productivity improvement

• Reporting:
• Assists in the preparation of timely and accurate reports of Riyad Bank to meet company and department requirements, policies and standards

• Safety, Quality & Environment:
• Complies with all relevant safety, quality and environmental management policies, procedures and controls to ensure a healthy and safe work environment

2- Qualification and Experience:

• Minimum Qualifications:
• Bachelor’s degree in Business with preferably a specialization in Finance or Accounting
• Minimum Experience:
• 2-7years relevant experience in the banking sector

3- Technical Knowledge Areas:

• Knowledge in Retail Banking products and services
• Knowledge in client relationship planning
• Ability in business development and planning