Relationship Managers Credit -FWBL, Multiple Cities

By First Women Bank Limited, Karachi                                                                   Qualification: 

• Graduate/ Postgraduate degree.

Experience:

• Relevant experience is preferable

Roles & Responsibilities:

• Responsible for creating Business relationship with customer and processing of Credit Proposal by analyzing financial credit, industry data of the prospect of the borrower to determine the risk of the bank, task assigned by line manager.
• Growth and target monitoring in assigned portfolio, thereby improve profitability, trade volumes and earning assets.
• Prepare a structured calling/meeting program to explore customer needs and strengthening rapport and solicit fresh transactions from existing as well as new customers.
• Prepare/submit complete, comprehensive and accurate credit proposals in coordination with In-charge
• Monitoring of recoveries and of payments and documentation of loans and Provide regular updates to Line Manager on performance of accounts allocated.
• Ensure compliance of SBP regulations and head office instructions/covenants and conduct periodic indoor/on-site visits to the client’s premises in order to ascertain current operational / financial / market position, along with SRM, as per the requirement or as instructed by unit head.
• Obtain and submit client’s financial information including financial modeling, qualitative / quantitative analysis and industry analysis.
• Maintain the validity of corporate, Consumer, Agri and SE & ME accounts and provide regular updates to SRMs and Unit Head / In charge on performance of accounts periodically.
• Occasionally visit clients with BMs to increase business reciprocity.
• Record keeping and making relevant documentation, as per audit requirement, for existing and new relationships.
• Approvals of Business Proposals in Core Banking System if assigned.
• Extraction and reporting of ECIB of SME & Corporate customers for region branches and Ensure meticulous compliance of AML/CFT/CPF and prudential regulations, internal Bank policies & procedures.