Relationship Officer - Muscat

ahlibank; Muscat; On-site; OMR 14,000 - 30,000; Full time

Job summary

ahlibank in Muscat is seeking an experienced relationship-focused banker to manage a portfolio of SME liability accounts and grow income opportunities. You will develop business plans, secure deposits, and ensure adherence to credit and operational policies while maintaining strong client relationships across defined markets.

Your role includes risk monitoring, process improvements, mentoring junior staff, and staying current with bank products and industry trends to support strategic objectives.

Qualifications

• Minimum 5 years of banking experience, preferably in SME Banking, Business Banking, or Retail Relationship Management.
• Bachelor's Degree in Business Administration, Finance, Banking, Accounting, Economics, or a related field.
• Omani nationality required.

Responsibilities

• Identify potential clients and develop income-generating opportunities in defined markets and industries.
• Create and maintain an annual business plan and sales budget for the assigned portfolio.
• Promote liability products to meet sales targets and contribute to overall branch and departmental performance.
• Manage a portfolio of SME customers to ensure account profitability and client retention.
• Conduct regular client reviews and propose solutions that meet customer needs and align with Bank strategy.
• Maintain high levels of customer satisfaction and handle queries and complaints in a timely manner.
• Ensure compliance with the Bank’s Group Credit Policy, operational guidelines, and regulatory requirements.
• Monitor account activities, identify risk exposure, and escalation potential issues appropriately.
• Drive continuous process improvement through innovative, automated, and digital solutions once required
• Collaborate with internal teams to ensure smooth processing of transactions and service delivery.
• Maintain accurate records and reports of client activities and performance against targets.
• Mentor junior staff and contribute to knowledge sharing across the team.
• Stay updated on Bank products, services, and industry trends.
• Participate in learning and development initiatives to build professional capabilities.
• Continually update oneself through knowledge acquisition, on-the-job training, or project involvement.

Skills

Business development

Relationship management

Risk & compliance

Process improvement

Automation & digitalization

Education

Bachelor's degree

Job description

To manage and grow a portfolio of SME liability accounts by identifying income-generating opportunities, maintaining strong client relationships, and contributing to the Bank’s strategic objectives. The role involves developing business plans, securing deposits, and ensuring adherence to credit and operational policies.

KEY RESPONSIBILITIES:

Business Development

• Identify potential clients and develop income-generating opportunities in defined markets and industries.
• Create and maintain an annual business plan and sales budget for the assigned portfolio.
• Promote liability products to meet sales targets and contribute to overall branch and departmental performance.

Portfolio & Relationship Management

• Manage a portfolio of SME customers to ensure account profitability and client retention.
• Conduct regular client reviews and propose solutions that meet customer needs and align with Bank strategy.
• Maintain high levels of customer satisfaction and handle queries and complaints in a timely manner.

Risk and Compliance

• Ensure compliance with the Bank’s Group Credit Policy, operational guidelines, and regulatory requirements.
• Monitor account activities, identify risk exposure, and escalation potential issues appropriately.
• Ensure documentation is accurate and complete for all customer accounts.

Operational Excellence

• Drive continuous improvement through innovation, automation, and digital solutions where needed.
• Collaborate with internal teams to ensure smooth processing of transactions and service delivery.
• Maintain accurate records and reports of client activities and performance against targets.

Learning & Development

• Stay updated on Bank products, services, and industry trends.
• Participate in learning and development initiatives to build professional capabilities.
• Mentor junior staff and contribute to knowledge sharing across the team.

Process Innovation, Automation & Digitalization

• Drive continuous process improvement through innovative, automated, and digital solutions once required

Business Control & Governance

• Ensure adherence to the bank's policies, regulatory requirements, and industry standards in all operational activities.

Self/People Development & Continuous Learning

• Continually update oneself through knowledge acquisition, on-the-job training, or project involvement; advocate and support others to do the same.

Requirements

• Omani Nationality only
• Bachelor's Degree in Business Administration, Finance, Banking, Accounting, Economics, or a related field.
• Minimum 5 years of banking experience, preferably in SME Banking, Business Banking, or Retail Relationship Management. Experience in liability products, customer acquisition, and portfolio management is preferred.