Relationship Officer - Sohar

ahlibank; Muscat; On-site; OMR 12,000 - 18,000; Full time

Job summary

ahlibank is seeking an experienced professional to manage and grow a portfolio of SME liability accounts in Oman. You will identify income opportunities, maintain strong client relationships, and contribute to strategic objectives.

You will develop business plans, secure deposits, and ensure adherence to credit and operational policies while driving efficiency and digital solutions where needed.

Qualifications

• Bachelor's degree in business, finance, banking, economics or related field.
• Minimum 5 years of banking experience, preferably SME/Business Banking.
• Experience with liability products, customer acquisition and portfolio management is preferred.

Responsibilities

• Identify and grow SME liability accounts and opportunities.
• Develop annual business plans and sales budgets for the portfolio.
• Promote liability products to meet targets and support branch performance.
• Manage a portfolio of SME clients, ensuring profitability and retention.
• Conduct client reviews and propose solutions aligned with bank strategy.
• Ensure compliance with credit policies and regulatory requirements.
• Drive process improvements and collaborate with internal teams for service delivery.

Skills

Relationship mgmt

Business development

Risk & compliance

Operational excellence

Process improvement

Learning & development

Education

Bachelor's in Business Administration/Finance/Banking/Economics

Job description

SUMMARY OF ROLE:

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:

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, 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 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.