Duties & Responsibilities:
1- Responsible for the service and development of the branch SMEs Portfolio, acquiring new clients, opening clients’ accounts, conducting regular visits to clients, ensuring their requests are fulfilled accurately and in a timely manner.2- Set effective action plans to achieve portfolio targets as designated by the Head of SMEs and SMEs Team Leader, taking into consideration any changes that may occur to the SMEs Portfolio, through the effective attraction of new clients and the promotion of the bank’s products to existing clients.3- Represents the primary point of contact with SMEs clients, maintaining the banks’ professional image so as to attain their optimum satisfaction level and handling all their complaints.4- Maintain and develop strong relationships with clients, allowing for better understanding of their banking needs and enabling the generation of new business from referrals and the achievement of the portfolio targets.5- Monitor arising customer opportunities on regular basis and plan an action plan per customer using Delta Portal’s different features (Opportunities, Appointments, Tasks and Discussion Topics). 6- Possess excellent knowledge of the bank’s products and services, enabling the identification of the client’s needs and the cross-selling of the appropriate banking products and services suited for the fulfillment of these needs.7- Prepare reports of SMEs pipeline and action plans in order to be shared with the SMEs Banking Team8- Manage all products in order to ensure portfolio expansion while maintaining control on portfolio risk.9- Refer to the Main branch/credit center to obtain approvals on the clients’ requests whenever applicable.10- Prepare and handle loan files systematically, including loan documentation, facilities’ securities, contracts, undertakings, supporting documents, IDs & investigation reports. Maintain an index of files for easy access.11- Review critical transactions and follow up on movement on current accounts in coordination with STL / Head of SMEs.12- Diversify knowledge among the Relationship Managers handling less complex SMEs Portfolio and serve clients in the absence of their portfolio relationship managers.13- Ensure the correct archiving of customer files and any supporting documents.14- Preserve all original documentation of SMEs credit facilities (agreements, covenants, contracts, promissory notes…etc.) on a regular basis at the facilities’ documentation custody Center - Abu Rawash.15- Ensure updating all clients’ Financial and Non-Financial Data on regular basis.16- Receive all B2B requests from the concerned team and ensure handling it within the approved SLA.17- Review critical transactions and follow up on client’s account movement in coordination with STL.18- Hold regular meetings with concerned business lines to review the portfolio status and set effective plans to achieve the SMEs portfolio targets.19- Maintain knowledge of the CBE rules and regulations governing SMEs clients.20- Maintain synergy with the Corporate and Retail business lines as well as all Head Office departments.21- Ensure the correct functioning and implementation of the Permanent Supervision, Compliance and Money Laundering, Operational Risk, and Workplace Success Guidelines whenever and wherever possible.22- Ensure the correct adoption of policies and procedures in order to guarantee that the bank business is conducted in compliance with Local Laws, Internal Rules and Regulations, as well as, International Standards23- Compile and analyze financial statements, judge outstanding credit of clients, prepare credit proposals (new, renewal, or modification), assemble credit investigation and competitive reports required by credit studies, and provide adequate technical advice.24- Prepare CBE rating, statistics, and periodic reports (such as provisions, overruns, and fiscal stamps).25- Refer to the credit utilization center to obtain approvals on the clients’ requests whenever applicable.
Job Specifications: Education:Bachelor’s degree in business, Commerce, or Economics Credit Course is welcomed
Skills: Excellent communication, leadership, & managerial skills High analytical, observational, and problem-solving skills Innovative, self-motivated, cooperative, creative, & proactive Ability to manage different tasks and assignments in parallel and in timely manner Fluent in Arabic & English written/spoken.
Working Conditions:Requires business visits on a regular basis