Relationship Manager – Mid-Market

Purpose and Summary:

To execute a range of tasks related to Corporate & Institutional Banking operation for Mid-Market customers of Oman Arab Bank.

Key Deliverables:

• Coordinating and engaging with OAB’s cross functional departments in matters related to Mid-Market unit of the CIB.
• Review and recommend credit application for Mid-Market customers.
• Initiate credit Request proposals and internal memos with customer’s details to be submitted to the Credit Admin department in a timely manner.
• Attending Mid-Market customer calls and meetings whenever appropriate to ensure prompt resolution in place.
• Initiating the contact with new Mid-Market customers once they are being identified as potentials with agreed products.
• Assessing credit risk and preparing all transaction documentation and reporting the same to the management.
• Review and comment the periodic reports on excess over facility limit, expiry of facility, etc. to be shared with the manager.
• Responsible for regularly monitoring of Customer’s account to determine the expired accounts and follow up with the existing customers for past due or excess over facility.
• Attending day to day operation linked to clients in terms of trade finance, payments & cash management, and treasury … etc.
• Review and comment the daily reports on excess over facility limit, expiry of facility, etc. to be shared with the manager.
• Assuring compliance to the KYC upon onboarding clients or in the case of any changes in clients’ details.
• Participate in cross selling activities related to other bank’s products including Large Corporate and SME products.
• Escalate any cases which may lead to potential operational losses or fraud cases to the Relationship Manager / Unit Head as appropriate without any delay.
• Responsible for providing approval for the payment of transaction Cheque.
• Ensuring that Mid-Market customers’ queries are tackled effectively, and solutions/information provided in a timely manner.
• Assisting internal and external auditors for any audit requirements as and when required.
• Ensure all activities carried out, is as per standard bank’s protocol, policies, processes & procedures (including AML / CFT related policies & procedures).
• Participate in other related initiatives and projects as assigned or other duties as assigned by management.
• Complete all related tasks as delegated by management or reporting Manager.
• Report any suspicious or irregular activities or transactions (if identified) to Compliance division.
• Reporting misconduct behavior as per the whistle blowing policy.
• On-boarding quality new clients to further augment the portfolio size.
• Regular client visits, followed by necessary steps to on-board clientele with a blend of short term and long-term facilities in synch with cross selling and other facets to holistically ensure growth in portfolio size & quality.
• Maintain asset & portfolio quality along with Renewals threshold to be less than 2% at the end of every month with none pending for more than 90 days.

Qualifications:

• Degree in Banking/Business or equivalent.

Skills/Knowledge:

• Effective Communication skills.
• Customer Focus skills.
• Coordination skills.
• Negotiation skills.
• Teamwork skills.
• Interpersonal skills.
• Risk Analytic skills.
• Attention to details.
• MS. Office Products skills.
• Sound command English language.

Experience:

• Minimum 4 Years of relevant experience.

Business Understanding:

• Good understanding of bank’s policies, procedures, and standards.
• Good Understanding of Mid-Market banking products and services.
• Bachelors / Master in Business, Accounting & Finance or Equivalent
• Understanding of financial metrics, ratios, cashflows, projections and evaluation of key financial data.