Job Purpose:

The role consists in supporting the Regional Head in the management of the different stages of customer relationships. Collaborates in identifying new customers in consultation with Unit Head. Manage existing relationships, ensure timely renewal of limits, perfection of documents and independently handle assigned relationships in consultation and guidance of Unit Head.

Key Accountabilities:

• Ensure regular collection of information pertaining to existing clients and timely renewal of limits
• Ensure timely reporting of any shortfall in proposals to the concerned Unit Head/RM
• Ensure maintaining high standards of ethics and integrity with customers and colleagues
• Cross Sell and augment revenue from existing customers
• Ensure effective follow-up and monitoring of account to avoid downgrading and delinquency
• Ensure thorough and clear write-up of credit proposals in accordance with the bank's policies
• Ensure full compliance with Sharia principals and guidelines
• Ensure analyzing and reviewing financial statements and financial position of the client and prepare credit lines by raising credit proposals.
• Ensure handling of account requirements for credit administration and risk management. This includes central
• bank risk bureau, other bank queries and all documentary requirements for credit processing
• Any other job assigned by HOD
• Consumer Protection:    Ensure compliance with consumer protection standards including treating customers fairly, providing accurate information about products or services, responding promptly and courteously to inquiries complaints, and feedbacks, protecting customer data, identifying and reporting any suspicious or fraudulent activities, continuously improving customer service and keeping abreast of regulatory    expectations and SIB Conduct, Risk Framework and associated procedures.
• Competency: Customer Service & Consumer Protection: The employee should demonstrate a thorough understanding of Consumer Protection Regulations and adhere to the bank's standards for fair treatment of customers, ethical conduct, and prompt resolution of customer complaints, provide accurate and comprehensive information to customers, and compliance with applicable laws and regulations. The employee should continuously strive to improve their knowledge of Consumer Protection Regulations and seek opportunities to provide input on bank policies and practices.
  

Qualifications, Experience & Skills:

• Minimum Qualifications: University education preferably commerce/business management finance/marketing
• Minimum Experience: At least 1-2 years banking experience in corporate banking and small & medium enterprises.-Various training on credit/corporate risk analysis
• Language Skills: Excellent Communication Verbal & Written in English.
• Working Knowledge of Arabic
• Computer/ System / Software Skills: MS Office - IT Software - Basic