Relationship Officer - Salalah

Tawteen; Oman; On-site; OMR 45,000 - 78,000; Full time

Job summary

Tawteen is seeking a Banking Professional to manage and grow a portfolio of SME liability accounts. You will identify income opportunities, secure deposits, and ensure adherence to credit and operational policies.

Key duties include developing business plans, promoting liability products, and maintaining high client satisfaction while managing risk and ensuring regulatory compliance. This role is suitable for candidates with strong relationship management experience and a strategic mindset.

Qualifications

• Omani nationality is required.
• 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.

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 escalate potential issues appropriately.
• Ensure documentation is accurate and complete for all customer accounts.
• 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.
• 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.
• Drive continuous process improvement through innovative automated and digital solutions once required.
• Ensure adherence to the bank's policies regulatory requirements and industry standards in all operational activities.
• Continually update oneself through knowledge acquisition on-the-job training or project involvement advocate and support others to do the same.

Skills

Business Development

Relationship Management

Risk & Compliance

Operational Excellence

Learning & Development

Process Improvement

Governance

Mentoring

Education

Bachelor's Degree in Business Administration, Finance, Banking, Accounting, Economics, or a related field

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 amp 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 escal 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 amp 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 amp Digitalization

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

Business Control amp Governance

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

Self People Development amp Continuous Learning

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

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.