Relationship Officer - SME

Job Objective

Primarily responsible for marketing, sales & collection of the bank SE & Housing asset-based products & other services, potential client screening, credit appraisals, loan booking and documentation, initial review of customer’s collateral location, business and collateral as per bank policy & procedure. The candidate must ensure prompt service delivery, portfolio management, repayment of loans, periodic portfolio information and maintain portfolio quality.

Key Responsibilities

Business Growth

• Meet or exceed assign Sales targets. Generate New Prospects from Own efforts besides Maintaining existing relationships.
• Identify new SE & Housing loan prospects in the assigned area. Assess their loan requirements based on customer need and present appropriate loan proposals to the credit committee for approval.
• Contact and qualifying own prospect & prospects identified through various channels
• Conduct financial statement, credit analysis and appraisals of customers for credit application & performing  periodic  reviews
• Collect and verify detailed information (personal, business, guaranties and collateral pertaining to SEs & housings).
• Prepares and execute loan contracts and arrange for disbursement of loan.
• Cross-sell other KMBL products to clients.

Portfolio Management

• Monitor utilization of SE & Housing loan facilities to ensure timely repayment.
• Ensure timely intimation to clients regarding due date and payment amount.
• Maintain regular contact with SE & Housing clients to monitor their business status and loan utilization so that loan is recovered as per repayment schedule..
• Ensure timely follow-up with late payment and default customers to resume payments as per repayment schedule. Make customer aware of the implications of late payments & default in term of penalties and reporting in ecib/other data checks

Service Quality

• Maintain good relationship with SE & Housing clients and promptly address their queries regarding loan and other banking facilities.
• Meet internal service standards and ensure no service related complaints are received from customers.
• Address customer complaints in line with KMBL complaint handling guidelines

Compliance

• Conduct, complete and process SE & housing loan booking / documentation in strict compliance with KMBL’s policies, procedures and ethical standards.
• Thoroughly review KIM & SE Procedures to understand products and processes.
• Thoroughly review Prudential Regulations for MFBs to ensure policy compliance.

Required Education & Experience:

• Preferably Master’s in Business Administration, Commerce, Economics, Agriculture, Banking or Accounting from an HEC recognized / overseas university.
• Prior relevant experience in ME/SE & Housing Finance would be a plus.

Skills

• A valid driving License of motorcycle (applicable in case of male only)
• Not defaulter of any financial Intuitions.
• Adaptability/flexibility in field work, relocation and extended working hours.
• Mentally & physically fit
• Good at selling and client servicing.
• Good  analytical & customer verification skills
• Willing to work anywhere in Pakistan subjected to business requirement
• Excellent understating of mathematical calculations, financial analysis and ratios.
• Exhibits and upholds highest ethical, integrity and social performance values.
• Well organized with excellent communication & time management skills.
• Customer focused and understanding of market segmentation concept