Relationship Manager - SME

To identify and acquire new SME clients to grow the Bank's SME lending portfolio.

To develop and execute a client acquisition strategy in alignment with organizational goals.

To promote the Bank's financing products, including working capital, trade finance, and term loans.

To manage and enhance existing client relationships to ensure portfolio retention and growth.

To regularly review the financial health and performance of clients to identify potential risks and opportunities.

To conduct periodic client visits and provide updates on portfolio performance.

To analyze financial statements and business models of SME clients to assess creditworthiness.

To structure and recommend appropriate financing solutions tailored to client needs.

To prepare comprehensive credit proposals in compliance with internal policies and regulatory guidelines.

To ensure credit facilities are approved within the risk appetite of the Bank.

To monitor accounts for early warning signals and take proactive measures to mitigate risks.

To collaborate with internal stakeholders to provide seamless client service.

To achieve financial and non-financial targets, including revenue, portfolio growth and client satisfaction.

To contribute to the Bank's overall strategy by meeting Key Performance Indicators (KPIs).

To perform any other assignment as assigned by the supervisors.

Other knowledge/competencies include: Ability to manage multiple tasks, prioritize work effectively, and meet assigned targets.

Basic understanding of banking products and services, with exposure to Commercial and SME Banking.

Good geographical knowledge of the assigned area and surrounding business area.

Sound knowledge of SBP Prudential Regulations and regulatory requirements related to Commercial & SME lending.

Strong interpersonal, communication, and customer relationship management skills.

Strong sales orientation, with the ability to identify business opportunities and achieve assigned targets.

Strong understanding of Credit Lending, SME Financing and Trade Finance.

Proficiency in Microsoft Office, including Microsoft Word, Microsoft Power Point, and Microsoft Excel.