Relationship Manager – Affluent Banking ( AlQassem)

Riyad Bank; Unaizah; On-site; SAR 120,000 - 240,000; Full time

Job summary

Riyad Bank in Unaizah, Saudi Arabia seeks a relationship-focused banking professional to manage day-to-day retail banking needs and drive client engagement. You will build relationships with major prospects and current customers, identify revenue opportunities, promote retail products, and develop account plans.

The role requires a business background and 2–7 years in banking. The successful candidate will work within established policies and contribute to continuous improvement while delivering

Qualifications

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

Responsibilities

• 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 meet their banking needs and expectations.
• Identifies revenue opportunities to actively sell Retail Banking products in order to support the sales targets.
• Maximizes product penetration and cross selling and seeks structured finance opportunities to ensure services are delivered effectively.
• Develops account plans in a consistent and timely manner to follow up on identified action items.
• Reviews CAs and approves them as per authority levels to ensure quality before sending to Credit for review.

Skills

Retail Banking

Client relationship planning

Business development

Education

Bachelor's degree in Business with a specialization in Finance or Accounting

Job description

1- Area of Responsibility:

• Policies, Processes & Procedures:
• 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
• Product Enhancement:
• 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.
• Continuous Improvement:
• 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
• Minimum Experience:
• 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