Credit Customer Relationship Manager

Job description / Role

Business growth

1. Work on managing and maximizing the Super Business Loan (SBL) and Growth Loans portfolio for companies with sales turnover from 1M up to 200M based on the company’s financial needs through maintaining the relationship with the existing borrowing companies in addition to approaching new-to-bank clients.

2. Attract new SME companies to maximize bank’s assets, trade finance and liabilities, as well as cross-selling CIB’s other products. Conduct simplified financial analysis and simplified executive summary for new cases or solicited directly to identify the customer needs and offer them the suitable product program matching the credit products’ policy.

3. Maintain strong relations with existing SME clients to maximize CIB share of wallet in all relevant products.

4. Cooperate with risk team to undertake proper credit assessment for borrowing clients in order to ensure high portfolio quality.

5. Handle customers’ complaints properly, and recommend solutions to avoid re-occurrence and ensure they are closed within the set turnaround time.

6. Negotiate with the clients and settle on pricing, facilities, terms and conditions with clients before handling the case to the SME risk for final recommendation.

Follow up

7. Monitor customers’ information to ensure it is always updated and maintain valid documentation.

8. Monitor the facility utilization to ensure that it is within approved limit and structure and ensure prompt settlement of dues.

9. Prepare call memos for current SME customers to report their market situation frequently through site visits, phone calls and checking the suppliers and buyers lists.

10. Respond to risk enquiries within the defined turnaround time to maintain portfolio quality monitoring.

Policies, processes and procedures

11. Follow all relevant department policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent manner.

Day-to-day management

12. Follow the day-to-day operations related to own jobs in the SME borrowing customers’ department to ensure continuity of work.

Compliance

13. Comply with all relevant CBE regulations, banking laws, AML regulations and internal CIB policies and code of conduct in order to maintain CIB’s sound legal position and mitigate any potential risks.