Relationship Manager – Affluent Banking ( AlQassem)

Riyad Bank; Unaizah; Vor Ort; SAR 120.000 - 240.000; Vollzeit

Zusammenfassung

Riyad Bank in Unaizah, Saudi Arabia is seeking a Relationship Manager to strengthen client partnerships and drive retail banking solutions.

You will build a deep understanding of client organizations, identify opportunities, and coordinate with Credit and reporting teams to ensure quality service. The role requires a bachelor’s degree in business and 2–7 years of banking experience, offering clear growth within Riyad Bank.

Qualifikationen

• Bachelor’s degree in Business with a specialization in Finance or Accounting.
• 2–7 years of relevant banking experience.

Aufgaben

• Manages day-to-day operations of own role to ensure continuity of work.
• Develops relationships with clients to sell Retail Banking products and meet targets.
• Identifies revenue opportunities and cross-sell services to clients.
• Reviews credit proposals within authority limits and coordinates with Credit for approval.
• Prepares timely reports for the department and management.
• Ensures compliance with safety, quality, and regulatory policies.

Kenntnisse

Retail Banking knowledge

Client relationship planning

Business development

Ausbildung

Bachelor’s degree in Business with Finance or Accounting

Jobbeschreibung

• Follows all relevant departmental policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent manner
• Day- to-day operations:
• Follows the day-to-day operations related to own job to ensure continuity of work
• Sales and Relationship Management:
• Builds relationships with clients that are buyers of financial services through visits to major prospects and existing customers.
• Develops a thorough understanding of customer’s organization, industry and global practices to maintain proximity to the clients and meet their banking needs and expectations.
• Business Development:
• Identifies revenue opportunities to actively sell Retail Banking products in order to support the sales targets
• Maximizes product penetration and cross selling and actively seeks structured finance opportunities in-order to ensure the services required by the organization are delivered in the most effective manner.
• Develops account plans in a consistent and timely manner in order to swiftly follow-up on identified action items
• Provides inputs and governmental demand insights to the team for loans which are commercially viable and also meet the required market demand.
• Credit Approval:
• Reviews CAs and approve them as per authority levels in order to ensure quality and completeness of all CAs before sending them to Credit for CA Review.
• Collaborates with the Credit Analytics Unit and Risk Management on an ongoing basis in order to constantly secure and enhance the quality of the credit portfolio.
• Contributes to the identification of opportunities for continuous improvement of processes and practices taking into account international best practice’, improvement of business processes, cost reduction and productivity improvement
• Reporting:
• Assists in the preparation of timely and accurate reports of Riyad Bank to meet company and department requirements, policies and standards
• Safety, Quality & Environment:
• Complies with all relevant safety, quality and environmental management policies, procedures and controls to ensure a healthy and safe work environment

2- Qualification and Experience:

• Minimum Qualifications:
• Bachelor’s degree in Business with preferably a specialization in Finance or Accounting
• 2-7years relevant experience in the banking sector

3- Technical Knowledge Areas:

• Knowledge in Retail Banking products and services
• Knowledge in client relationship planning
• Ability in business development and planning