Relationship Manager SME

This role focuses on driving the growth and quality of the credit portfolio by generating new business opportunities and deepening relationships with existing clients. The candidate will be responsible for ensuring that all credit applications comply with the bank’s standards and regulatory policies while maintaining a healthy and well-secured credit portfolio. Regular engagement with customers to understand their financing needs and provide tailored credit solutions is essential. The position requires close coordination with various internal departments to facilitate approvals and ensure timely processing of credit limits, all while maintaining high levels of customer satisfaction.

Key Responsibilities

- Generate high-quality credit business through new-to-bank (NTB) clients.
- Strengthen and deepen relationships with existing-to-bank (ETB) customers.
- Achieve assigned business targets, including cross-selling objectives.
- Prepare credit applications in accordance with the bank’s standards and State Bank of Pakistan (SBP) policies and procedures.
- Liaise with Risk Management Group (RMG) and Credit Administration Department (CAD) for credit approvals, implementation, and operational matters related to credit limits.
- Ensure adherence to turnaround times (TAT) for processing each credit application.
- Monitor and maintain the health of the credit portfolio for both NTB and ETB clients.
- Conduct regular visits to customers and their business locations to foster strong relationships.
- Understand customers’ financing needs thoroughly and offer customized credit limits that align with their requirements.
- Maintain a clean and healthy credit portfolio by proactively managing risks.
- Ensure that the bank’s exposure is adequately secured with satisfactory collateral.
- Identify early warning signals related to credit risks and escalate issues promptly for timely resolution.
- Consistently ensure high levels of customer satisfaction through effective service delivery.

Required Qualifications

- Proven experience in credit generation and portfolio management within the banking sector.
- Strong understanding of credit policies, procedures, and regulatory requirements, particularly those set by the SBP.
- Ability to analyze customer financial needs and develop tailored credit solutions.
- Excellent interpersonal and relationship management skills to engage effectively with clients and internal stakeholders.
- Demonstrated ability to meet business targets and manage credit risk.
- Proficiency in preparing credit applications and coordinating with risk and credit administration teams.
- Strong organizational skills to ensure compliance with turnaround times and operational standards.

Preferred Qualifications and Benefits

- Experience working in a similar role within a reputable financial institution.
- Familiarity with collateral management and credit risk monitoring tools.
- Ability to identify early warning signs and take proactive measures to mitigate credit risks.
- Commitment to maintaining customer satisfaction and delivering quality service.
- Opportunities for professional growth and development within the bank’s credit management function.

This position offers a challenging yet rewarding opportunity to contribute to the bank’s credit growth while ensuring portfolio quality and compliance with regulatory standards.