CIB RM

Ø Improve profitability of the portfolio by achieving set objectives by proactively managing relationship with existing and developing/building relationships with new unit Clients.

Ø Enhancing the marketing process for credit facilities (Up-Selling) and coordinate with other SBU‘s (Cross Selling) and implement marketing strategy within the unit.

Ø Analyzing and evaluating credit data and financial statements to determine the level of risk and assisting on the credit facility structure, collaterals and terms & conditions;

Ø Identify existing and potential key Clients and define their needs.

Ø  Directly handle the clients portfolio that are considered small to medium under supervision

Ø  Analyze clients’ complaints, follow-up on service recovery process to achieve customer satisfaction.

Ø  Ensure periodic updating for industrial studies.

Ø  Build financial modeling and financial spreading for clients.

Ø  Conduct risk analysis/determination activities based on the analyzed credit data and financial statements to provide credit recommendation proposals.

Ø  Ensure steadiness and growth for both Credit Facilities and Deposits portfolio’s (simultaneous Growth)

Ø  Liaise with segments to provide high quality service levels and ensure adequate turnaround times.

Ø  Suggest improvement initiatives and innovative idea to achieve business growth and continuity.

Ø  Perfume analysis and assessment for clients’ needs of new products and services.

Ø  Collect all required documents to make a credit decision.

Ø  Implementing field visits to clients.

Ø  Review and recommend credit requests to ensure adherence to credit policies, and appropriate risk-return propositions.

Ø  Suggest initiative to increase the unit portfolio and customer base.

Ø  Analyse and study the market to find new business opportunities and utilize them.

Ø  Manage active/current customer portfolio.