Overview
Relationship Manager Jobs in Nizwa, Oman at Oman Arab Bank
Title: Relationship Manager
Company: Oman Arab Bank
Location: Nizwa, Oman
Key Deliverables:
Overall responsibility of managing assigned Accounts/existing portfolio for SME segment.
Receiving and acknowledging credit applications received from the branches and evaluate them based on a set of risk factors including: Financial analysis, Financial structuring, Collateral, and Credit evaluation & assessment.
Regularly follow-up with customers to obtain necessary information and documents to ensure completion of all applicable documentation for any new financial facility for both existing and potential customers and hence credit process can be initiated in a timely manner.
Drafting the Credit Request proposal and internal memos containing customer’s details to be submitted in a timely manner to the Credit Admin department for further review.
Regularly monitoring of Customer’s account to determine expired accounts and follow up with existing customers for past due or excess over facility.
Initiating contracts with new customers once being identified as target and agreed products marketed with Team leader.
Preparing and Maintaining periodic reports to be shared with the manager.
Ensuring that customers are dealt with professionally, the information provided is correct and customers are correctly referred and received effective solution for their issues.
Escalate any cases which may lead to potential operational losses or fraud cases to the Unit Head as appropriate without any delay.
Protecting sensitive customer and bank information by ensuring documents, computers, files, and all confidential matters are appropriately handled as set forth by policy.
Liaise with team leader to develop and convert new customer prospects and to produce credit proposals.
Assisting both internal and external auditors for any audit requirements as and when required.
Coordinate, engage and maintain relationships with cross functional departments within the bank to ensure smooth functioning of the operations.
Ensure all activities carried out, is as per standard bank’s protocol, policies, processes & procedures (including AML / CFT related policies & procedures).
Participate in other related initiatives and projects as assigned or other duties as assigned by management.
Complete all related tasks as delegated by management or reporting Manager.
Report any suspicious or irregular activities or transactions (if identified) to Compliance division.
Reporting misconduct behavior as per the whistle blowing policy.
Close monitor securities discrepancy report and approved deferral report on monthly basis.
Qualifications:
Degree in Banking/Business or equivalent.
Skills/Knowledge:
Effective Communication skills.
Rapport skills.
Marketing skills.
Customer Focus skills.
Coordination skills.
Teamwork skills.
Interpersonal skills.
Attention to details.
MS. Office Products skills.
Good Command in Arabic and English language.
Experience:
3 to 5 Years of relevant experience.
Business Understanding:
Good understanding of bank’s policies, procedures, and standards.
Good Understanding of SME banking products and services.
Knowledge about the relevant laws and regulations issued by competent authority.