Commercial Banking Relationship Manager

About BSF:

Banque Saudi Fransi (BSF) is a leading financial institution built on a bold vision, to merge Saudi leadership with international standards, from day one, we have gone beyond conventional banking empowering ambition, enabling growth, and shaping lasting legacies.

• We are BSF - Always putting the needs of our people, customers, shareholders and society ahead of our own personal agenda. We are a community that we defend and protect, always.
• True to ourselves, always - We are honest with one another, even at the risk of temporary disharmony. It is never personal.
• Us before me - We put ideas before ego and leverage the expertise of others.
• Keep it simple - We strive to make everything we do as simple as possible. We set our people up for success and then get out of their way. We only need to be asked one. We own it.
• Winning is fun - We seek to be number one in the hearts and minds of our people, customers and shareholders. We have limitless ambition and the drive to win.
• Think big, act quick - We think long-term in our decisions, but we make them quickly and have a bias towards action

• This role is responsible for achieving revenues and asset growth by providing appropriate solutions and value-added services to existing client base and also enhancing the client base by establishing new relationships and acquiring fresh assets from these potential clients and cross selling other BSF Products.
• This role is responsible for building relationships with clients as well as some key customers and provide them with the most appropriate services and solutions. The job aims at addressing the client’s banking needs and providing high standard advice, solutions through core banking products as well.
• Ensures budget achievement on monthly, quarterly, annually basis while evaluating revenue and spreads in order to reach continued profitability.
• Determines financial needs of clients and provides them with the most appropriate core banking solutions as well as cross selling products through (Treasury, Capital, etc.)
• Performs prospecting duties by using personal social circle, other business line contacts, and active referrals from existing satisfied clients.
• Maintains existing relationships and continually obtaining clients requirements to provide them with the most appropriate services and solutions.
• Daily monitors all operations of clients. Takes prompt actions on maturing deposits and facilities, expiring  Cards, delivery of cards, regularization of exceptional transactions, freeze dormant, inactive accounts and obtaining customer consents.
• Acquires knowledge on credit operations and all risks involved.
• Acquires information on client’s financial assets and revenues.
• Prepares supporting documentation of client credit application with the credit team. Closely monitors client credit facilities, reacting promptly to any potential discrepancy.
• Maintains proper legal files. Documents all communications with clients through call memos. Promptly obtains any documentary requirements from clients. Complies with approved policies and procedures of BSF, SAMA and CMA.
• Takes part in monitoring and training Relationship Officers on product knowledge and procedures to optimize their capabilities.

• Bachelor’s degree in business, Finance or Economical related courses.
• 3-4 years of experience in financial institutions, Elite or Wealth clients’ areas.
• High level of exposure in general banking operations and services.

• Excellent Communications, listening and negotiating skills.
• Sales and Marketing Knowledge.
• Knowledge of Portfolio Management.
• Knowledge of Financial Instruments.
• Good knowledge of Law and Government.
• Good knowledge of Sharia Compliant…