Relationship Manager Retail Lending

Business Development & Credit Initiation:

• To perform marketing & business development activities to achieve allocated targets.
• Timely Processing/preparation of quality credit line proposals, conducting in-depth analysis of: financial & market position, security/collateral, technical capability of the borrower and calculation of risk rating, as and when required.

Data Collection & Analysis:

• To Manage/Analyze Financial Data of clients/ and deducing results in accordance with the organization’s policy.
• To closely monitor industry trends & economic changes effecting clients’ position & pass on information to the team members and keep the line manager informed / abreast of such developments.
• To monitor of accounts through Bank’s automated system for maintaining/enhancing the credit limits for the customers. Co-coordinating with the branch/superior office for smooth functioning of the banking facilities to achieve annual goals.

Risk Management & Compliance:

• To ensure compliance of all regulatory/Banks policies.
• Monitoring/mitigating risks associated with portfolio.
• Coordinate with internal/external auditors to achieve satisfactory audit rating & ensure implementation of audit recommendations.
• To maintain and safe-keeping of all credit files.
• Ensure that the credit/ lending functions are managed with the Bank’s laid down credit policies & procedures.
• Update themselves about the latest policies/ regulations of State bank of Pakistan & other regulatory bodies.

Customer Service

• Provide quality services to the portfolio clients and to market for new clients for fresh business and target achievement.
• Regular coordination with managers of the linked branches.
• Regular liaison with internal customer’s i.e CAD, CTP and Regional Sales team.

Minimum qualifications:

• Graduate with preferably Finance Background.

Minimum experience:

• 2 years of relevant experience.

Minimum qualifications:

• Graduate with preferably Finance Background.

Minimum experience:

• 2 years of relevant experience.