Chargés d'Affaires PME
BANK ABC
Job location
Sousse
Employment status
Full–time
Job details
Bank ABC is reinforcing its Retail & Digital Banking Department with the recruitment of an SMEs Relationship Manager for its Branch in Sousse.
Reporting to theHead of Retail, the Relationship Manager is responsible for managing anddeveloping a portfolio of SME’s and Professionals which implies calling onclients and prospects, being the central point of contact for the clientswithin the organization.
Proactively managing and satisfying clientneeds, performing credit assessment to determine the opportunities worthpursuing, discussing the proposed facility structures with the Head of Retailand any other relevant product specialists.
Principal Responsibilities, Accountabilities and Deliverables of Role:
· Manage a portfolioof existing Corporate Clients and/or Groups and Professionals by reaching outto clients, maintaining personalized contacts with each name, promptlyanswering clients’ queries, and proactively managing clients’ needs.
· Develop newrelationships by calling on prospects and ensure that ABC is always positionedon key deals and invited to key transactions while identifying other nicheopportunities to grow our annuity business
· Meet/exceed budget requirements.
· Manage a portfolioof existing Corporate Clients and/or Groups and Professionals by reaching outto clients, maintaining personalized contacts with each name, promptlyanswering clients’ queries, and proactively managing clients’ needs.
· Develop newrelationships by calling on prospects and ensure that ABC is always positionedon key deals and invited to key transactions while identifying other nicheopportunities to grow our annuity business
· Meet/exceed budgetrequirements
· Ensure excellentworking relationships with all the departments of the bank to serve our clientsto the best of our capabilities.
· Ensure theachievement of their individual business objectives.
· Manage a portfolioof Corporate Clients, SMEs, and Professional customers.
· Enhance and developequipment of the customers in banking products and services.
· Make profitablerelationship through the tariff approach and increasing of the share ofentrusted flux.
· Regularly use thesponsorship method to acquire new customers.
· Perform regularvisits to customers, through exploration to develop their portfolio.
· Ensure thedevelopment of dual relationships with Corporate Clients, SMEs, and ProfessionalClients, incorporating professional need and private need.
· Provide customerswith quality service, thorough follow up and answer their claims.
· Monitor monthlyfrozen debtor accounts and creditor dormant accounts, and save the actionsestablished in a dedicated file.
· Comply with therules for granting loans before any transmission of the files for the approvalof the credit department.
· Ensure the annualrenewal of the operating credit related to Corporate Clients, SMEs, and Professionals.
· Follow theportfolio’s outstanding payment and ensure the recovery of NPLs in the softphase of collection collaborating with the recovery unit.
· Strictly applyinternal procedures of the Bank for all operations and business realized in thebranch.
· Inform thehierarchy of any anomaly or failure detected during checks.
· Ensure obtainingand preservation of all documents related to the opening of Corporate Clients,SMEs, and Professionals accounts and sale of products and services related to theirportfolio.
· Ensure the updatingand order of their portfolio.
· Ensure thereliability of entered data and its update in the CBS and in otherapplications, related to clients of their portfolio.
· Ensure thetransmission of documents related to business to the internal control.
· Ensure thereplacement of the CSO if needed.
· Ensure obtainingand preservation of all documents related to the opening of Corporate Clients,SMEs, and Professionals accounts and sale of products and services related totheir portfolio.
· Strictly complywith all applicable risk and portfolio management policies and documentationstandards.
· Ensure adherence tocompliance policies including KYC renewal, AML, monitoring etc.
· Successfully complete trainings, coach juniorstaff and trainees of relevance and when appropriate.
Knowledge:
Analytical thinking.
Credit analysis skills.
Knowledge of Tunisian market and main players.
Understanding of sector trends,client relationship skills.
Experience:
3 to 5 years’experience in similar position within a commercial bank.
Education & Certifications:
Bachelor / Master’sdegree or equivalent in Management, Finance, Economics or Banking is required
