Relationship Officer

SUMMARY OF ROLE:

To manage and grow a portfolio of SME liability accounts by identifying income-generating opportunities, maintaining strong client relationships, and contributing to the Bank’s strategic objectives. The role involves developing business plans, securing deposits, and ensuring adherence to credit and operational policies.

• Identify potential clients and develop income-generating opportunities in defined markets and industries.
• Create and maintain an annual business plan and sales budget for the assigned portfolio.
• Promote liability products to meet sales targets and contribute to overall branch and departmental performance.

• Manage a portfolio of SME customers to ensure account profitability and client retention.
• Conduct regular client reviews and propose solutions that meet customer needs and align with Bank strategy.
• Maintain high levels of customer satisfaction and handle queries and complaints in a timely manner.

• Ensure compliance with the Bank’s Group Credit Policy, operational guidelines, and regulatory requirements.
• Monitor account activities, identify risk exposure, and escalation potential issues appropriately.
• Ensure documentation is accurate and complete for all customer accounts.

• Drive continuous improvement through innovation, automation, digital solutions where needed.
• Collaborate with internal teams to ensure smooth processing of transactions and service delivery.
• Maintain accurate records and reports of client activities and performance against targets.

• Stay updated on Bank products, services, and industry trends.
• Participate in learning and development initiatives to build professional capabilities.
• Mentor junior staff and contribute knowledge sharing across the team.

• Drive continuous process improvement through innovative, automated, and digital solutions once required.

• Ensure adherence to the bank's policies, regulatory requirements, and industry standards in all operational activities.

• Continually update oneself through knowledge acquisition, on-the-job training, or project involvement; advocate and support others to do the same.

• Omani Nationality only
• Bachelor's Degree in Business Administration, Finance, Banking, Accounting, Economics, or a related field.
• Minimum 5 years of banking experience, preferably in SME Banking, Business Banking, or Retail Relationship Management. Experience in liability products, customer acquisition, and portfolio management is preferred.