Account Manager, Business Banking.RBU - Muraqabat branch - Business Banking.41.Retail Banking Group

Role Overview

Account Manager, Business Banking at Mashreq, Muraqabat Branch, within the Retail Banking Group.

Role Purpose

Manage a set of existing Small Enterprise relationships and originate new Small Enterprise relationships in business communities. Achieve assigned financial and non-financial objectives by meeting all borrowing and non-borrowing needs of customers within target segments, while maintaining responsibility for quality and soundness of the assigned portfolio.

Key Responsibilities

Relationship Management

• Assume complete ownership of customer relationship management for the assigned portfolio of accounts and provide superior customer service.
• Manage all customers with a focus on relationship management, up-selling, deep-selling, and cross-selling other bank products.
• Improve share of wallet and target to be the primary bank for each relationship in the assigned portfolio.
• Conduct periodic client visits and maintain complete control of all aspects including documentation, call reports, stock inspections, and formal credit checks and informal market feedback to monitor the assigned portfolio effectively.

Business Development

• Actively source new-to-bank customers and generate new business from walk-in customers.
• Enhance relationship revenue from existing portfolio of borrowing and non-borrowing accounts by cross-selling the complete range of banking products.
• Screen the market for new-to-bank opportunities.

Credit Management

• Conduct annual and periodic credit facility reviews in the existing portfolio in a timely manner and recommend appropriate credit facilities in line with the bank's credit policy to maximize earnings while containing risks to an acceptable level and identifying candidates for downgrades and upgrades.
• Follow up and monitor assigned relationships to ensure satisfactory account conduct and early rectification of various credit-related issues.
• Maintain acceptable portfolio quality.

Compliance & Control

• Maintain responsibility for quality and soundness of assigned Small Enterprise portfolio, including KYC reviews, monitoring for due diligence, and anti-money laundering procedures.
• Adhere to all compliance and regulatory policies with regards to KYC and AML as set out by the bank from time to time.

Stakeholder Coordination

• Liaise between internal and external advisors to ensure precision of agreements.
• Liaise with superiors and direct reports within the business units, Risk Management, and related enabler units within the bank to achieve business objectives.
• Update branch manager and regional Small Enterprise manager on a regular and weekly basis for better controls on sales and relationship management.

Performance

• Achieve assigned financial and non-financial targets.

Qualifications & Experience

• At least 3 years of relevant banking experience in local or international markets.
• Banking sales and service experience with proven relationship management qualities.
• Advanced vocational knowhow of the subject matter including credit, trade, and operating systems.
• MBA or CA qualification, or if a regular graduate, must possess adequate relevant experience.

Skills & Competencies

• Excellent communication and negotiation skills.
• Positive attitude and strong work ethic.
• Good team player qualities.