Relationship Manager (Credit / Deposit)

About the role

The Relationship Manager will guide clients through credit applications, perform financial assessments, and recommend suitable banking products while ensuring compliance with KYC, AML, and regulatory requirements.

Key responsibilities

• Guide clients through credit applications, perform financial assessments, and recommend suitable banking products.
• Ensure compliance with KYC, AML, and regulatory requirements, maintaining accurate customer records.
• Manage a portfolio of clients, focusing on retention, upselling, and cross‑selling opportunities (including credit cards, insurance, digital services, mobile and internet banking).
• Meet individual and branch Credit/Deposit targets through structured sales planning and execution.
• Monitor market trends and competitor offerings to enhance deposit strategies.
• Ensure proper handover procedures for staff transitions and secure storage of loan security documents and customer files.
• Source and evaluate potential borrowers for retail and SME loans by analyzing financial statements, cash flows, and credit histories.
• Manage non‑performing loans (NPLs), follow up on overdue payments, and conduct collection activities as needed.

Required profile

• Any bachelor degree or a related field.
• Experience in banking or customer relationship management is a plus.
• Strong communication, sales, and negotiation skills.
• Ability to build and maintain strong client relationships.
• Experience in handling customer inquiries and complaints.
• Proficient in MS Office (Excel, Word, PowerPoint).

Required skills

• Microsoft Excel
• Microsoft Word
• Microsoft PowerPoint