Job Purpose:
Prospect new borrowing clients, building a diversified Asset portfolio within an acceptable risk profile, income generation, promoting banks services, referral to peer segments & cross/upselling.
Specific Accountability:
Introduce new well reputed borrowing prospects in line with the banks development strategy & risk appetite.
Identify the financing requirements of the borrower & propose the appropriate credit structure to cover their needs.
Ensure the completeness & accuracy of the gathered information.
Insure the credibility of the collected legal documents & capacity of signatory on the borrowing documentation.
Building deeper engagement for existing relationships through regular site visits , quarterly call reports & corporate events
Assist in preparing credit application to comprehensively present the financial needs.
Meet individually assigned target in order to enhance banks market share within an appropriate risk level
Monitor outstanding & follow up with clients to detect & develop potential business
Responsible in relation to monitoring existing client portfolio from risk perspective
Be responsible for the timely preparation, accuracy & competence of existing clients /prospects credit memos within deadline.
Alert management on any deterioration or potential deterioration of the credit risk , resulting from late payment or otherwise (negative market information)and to recommend & implement promptly the necessary corrective actions in order to safeguard banks right & avoid any losses
Prepare & review all required reports & KYC forms to ensure that all transactions are adhered to the banks policies procedures
Receive and advice customers and non-customers in order to satisfy their needs & build a long term business relationship with them
Receive , handle & resolve customer complains in a timely manner to maintain or increase customer satisfaction(With the support of Client Service)
Cross sell or upsell banks products & services to maximize banks profitability.
Prospecting & referral to peer segments.
Key Requirements:
University Degree in related field
At least 3 years banking and financial services experience with at least a year of SME / Credit and Corporate experience
Credit Certificate
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