Smes Rm

**JOB PURPOSE**

The SME’s Relationship Manager is responsible for strengthening the SME Portfolio, through maintaining and attracting target clients. In addition to fostering the relationship with existing clients; through learning about their banking needs and fulfilling it, while abiding by internal and external credit regulations.
- **MAJOR RESPONSIBILITIES AND ACOUNTABILITIES**
- Collect and analyze the data of potential and existing clients to prepare credit packages
- Follow up on granted credit facilities and review its annual renewal procedures
- Conduct calls to ensure that granted facilities are utilized in agreed upon purposes and prepare calls’ reports accordingly
- Identify expansion opportunities with existing clientele base to achieve portfolio growth.
- Closely monitor Past Dues Report and take any required action, after consulting with Unit Head, and strictly adhere to EGBank Credit and Legal policies.
- Acting and consolidating the role of the first line of defense in being fully aware of the transactions that take place on their clients’ accounts and taking the necessary measures in the event / occurrence of something tainting the use of facilities for other than the purpose and documenting this in the SME sector work procedures manual
- The account administrator periodically monitors the behavior of the account to ensure that the use of the facilities is compatible with the purpose for which it was granted, and this is taken into account when submitting to the credit risk review sector at the annual renewal and/or when needed (with each account official being assured of the safety of using all accounts
- Educate clients about the obligation to use the credit facilities for the purposes mentioned in the credit approval, and in case of violating this, the credit facilities will be paid in full.
- Follow up with concerned divisions/departments within the bank, to ensure the fast execution of agreed upon banking operations, and deal with any obstructions
- Prepare credit memorandums and present it to concerned parties
- Handle accurate documentation and filing of portfolio with respect to internal regulations
- Update clients’ portfolios on regular basis
- Market cross-selling products with existing and new clients
- Conduct feasibility study for new projects, and provide credit assessment for projects finance
- Adjust facility structures to suit any changes in the clients’ demands/activities
- Review credit facilities and ensure they are in compliance with internal and external credit regulations taking into account the profitability of the bank and the quality of the portfolio