Relationship Officer - Sohar

ahlibank SAOG; Muscat; On-site; OMR 12,000 - 24,000; Full time

Job summary

ahlibank SAOG in Muscat, Oman invites applications for a role to manage and grow a portfolio of SME liability accounts. You will identify income opportunities, build business plans, secure deposits, and ensure adherence to policy.

Leading client relationships and drive profitability, you will conduct regular reviews, promote liability products, and collaborate with internal teams to deliver efficient service while maintaining compliance and high customer satisfaction.

Qualifications

• Omani nationality is a must.
• Minimum 5 years of banking experience, preferably in SME Banking or Business Banking.
• Experience with liability products and portfolio management preferred.

Responsibilities

• Identify potential clients and develop income-generating opportunities in defined markets.
• Create and maintain an annual business plan and sales budget for the portfolio.
• Promote liability products to meet sales targets and contribute to branch performance.
• Manage a SME client portfolio to ensure profitability and retention.
• Conduct regular client reviews and propose solutions aligned with Bank strategy.
• Maintain high customer satisfaction and respond to queries/complaints promptly.
• Ensure compliance with Credit Policy, operations guidelines, and regulatory requirements.
• Drive process improvements through automation and digital solutions.
• Mentor junior staff and share knowledge within the team.

Skills

Business development

Client relationship management

Sales planning

Financial analysis

Education

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

Job description

Muscat, Sultanate of Oman | Posted on 25/08/2026

To manage and grow a portfolio of SME liability accounts byidentifying income-generating opportunities, maintaining strong clientrelationships, and contributing to the Bank’s strategic objectives. The roleinvolves developing business plans, securing deposits, and ensuring adherenceto credit and operational policies.

KEY RESPONSIBILITIES

Responsibilities

Business Development

• Identifypotential clients and develop income-generating opportunities in definedmarkets and industries.
• Create andmaintain an annual business plan and sales budget for the assigned portfolio.
• Promoteliability products to meet sales targets and contribute to overall branch anddepartmental performance.
• Manageaportfolio of SME customers to ensure account profitability and clientretention.
• Conductregular client reviews and propose solutions that meet customer needs and alignwith Bank strategy.
• Maintainhigh levels of customer satisfaction and handle queries and complaints in atimely manner.

Risk and Compliance

• Ensurecompliance with the Bank’s Group Credit Policy, operational guidelines, andregulatory requirements.
• Monitoraccount activities, identify risk exposure, and escalation potential issuesappropriately.
• Ensuredocumentation is accurate and complete for all customer accounts.

Operational Excellence

• Drivecontinuous improvement through innovation, automation, and digital solutionswhere needed.
• Collaboratewith internal teams to ensure smooth processing of transactions and servicedelivery.
• Maintainaccurate records and reports of client activities and performance againsttargets.

Learning & Development

• Stayupdated on Bank products, services, and industry trends.
• Participatein learning and development initiatives to build professional capabilities.
• Mentorjunior staff and contribute to knowledge sharing across the team.

Process Innovation, Automation & Digitalization

• Drivecontinuous process improvement through innovative, automated, and digitalsolutions once required

Business Control & Governance

• Ensureadherence to the bank's policies, regulatory requirements, and industrystandards in all operational activities.
• Continuallyupdate oneself through knowledge acquisition, on-the-job training, or projectinvolvement; advocate and support others to do the same.

Requirements

• Omani Nationality only
• Bachelor'sDegree in Business Administration, Finance, Banking, Accounting,Economics, or a related field.
• Minimum5 years of banking experience, preferably in SME Banking, BusinessBanking, or Retail Relationship Management. Experience in liabilityproducts, customer acquisition, and portfolio management is preferred.