Relationship Manager - Trade Working Capital
Job Purpose
Source, analyze, structure & facilitate client relationships who require Trade and Working Capital requirements. This is a key customer facing role which will utilise the role holders skills and experience in order to develop business performance in their particular area of responsibility including, where appropriate:
- Responsibility for a portfolio of customer relationships
- Support the growth of market share
- Drive income and balance sheet growth
- Building business profile in the market through introducer relationships, networking externally, internally and cold calling
- Exceed cross sales objectives and minimum service standards
- Working closely with retail banking colleagues to maximise sales and service for business customers.
Key Result Areas
- Acquisition of quality new business and to act as a focal point for the Bank in the local business market.
Major Responsibilities/Activities:
Financial
- Deliver Income growth from own portfolio including lending volume, margin and fee capture
Achieve acquisition targets to deliver a net growth position
Achieving Cross sales in key product areas such as CIBG, Treasury, FX, Factoring etc.
Internal Effectiveness
Collaborate with Business partners to identify customer need and enhance cross-selling opportunities
Establishing effective working relationships with key internal colleagues including branch staff, support departments and credit
Ensure all minimum standards are achieved for operational and credit tests and implementation of fraud prevention
Customer Service
Actively enrol customers in electronic banking options including Mashreq Online and Telephone Banking services.
Develop and implement a local marketing plan in conjunction with peers where appropriate to include relevant networking activity, in order to achieve a high profile for the Bank in the start up and local business market.
Deal with customer queries and complaints to deliver outstanding service to customers
Undertake customer service calls and outbound sales calls
Undertake relevant prospecting activity as required
Implementation of a proactive customer contact strategy.
Skills and experiences:
Strong analytical, problem solving and financial management skills
Preferably a management graduate with 6-8 years relevant working experience
Arabic speaker but not essential
Enhanced interpersonal and verbal communication skills
Enhanced sales / networking / credit skills