Relationship Officer - Sohar

Tawteen; Oman; On-site; OMR 10,000 - 16,000; Full time

Job summary

Tawteen in Oman seeks an experienced Banking Professional to manage and grow a portfolio of SME liability accounts, identify income opportunities and secure deposits while aligning with the bank's strategic objectives. The role requires building strong client relationships and delivering targeted revenue growth.

You will develop business plans, oversee risk/compliance, drive process improvement, mentor junior staff and collaborate across functional teams to ensure excellent service delivery and

Qualifications

• Omani nationality is required.
• Minimum 5 years of banking experience in SME/Business Banking or Retail Relationship Management.
• Experience with liability products, customer acquisition and portfolio management preferred.

Responsibilities

• Business development: identify income opportunities, develop annual plan and sales budget, promote liability products to meet targets.
• Portfolio & relationship management: manage SME accounts, conduct client reviews, ensure profitability and satisfaction.
• Risk & compliance: ensure adherence to credit policy and regulatory requirements, document accounts accurately.
• Operational excellence: drive improvements through automation and digital solutions, ensure smooth processing of transactions.
• Learning & development: stay updated on bank products, mentor junior staff and share knowledge.
• Process innovation & digitalization: drive process improvements with innovative digital solutions.
• Business control & governance: ensure adherence to policies and industry standards in all activities.
• Self development: continuous learning and knowledge sharing across the team.

Skills

Business development

Portfolio management

Relationship building

SME banking

Education

Bachelor's degree

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

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 elevate 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

Requirements

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