MCB Bank Pakistan

Senior Relationship Manager – SME SME Centre

Department	Reports to
Retail Banking Group - RBG	Regional Head - RH

JOB Description

The Job Holder will be accountable for managing SME Centre’s Corp/Comm. Credit portfolio and its growth. Position will be liable to facilitate regional offices for achievement of Corp/Comm. Targets/goals assigned by circle offices. The job holder will ensure quality service is delivered to customers through these centres while ensuring adherence to regulations, policies and procedures (both internal & external)

PRINCIPAL ACCOUNTABILITIES

No.	Accountability	%Time
1	To make efforts for achievement of assigned credit/deposit/trade/recovery/revenue/delivery expense control/cross sell and audit & compliance related targets/goals assigned by Regional/Circle Offices.	50%
2	Marketing Visits to add new clients/borrowers and to retain existing in line assigned targets and policy guidelines/targets. Visits of Pledge/Hypo sites/stocks as approved terms and Internal Credit Hand Book/CHB.	5%
3	Review/arrange approval on Credit Proposals (Fresh/Renewals/Reductions/enhancements/Expiries) (shortterm/long) as per Credit Hand Book and SBP guidelines.	5%
4	Supervision of all sort of finances (Fund and Non-fund based) and monitoring of upcoming limit expiries for timely elevation.	5%
5	To ensure reduction in maximum number of UERs of Unit’s portfolio.	5%
6	Managing team of Relationship Managers/Officers/Trade Officers/Manager. Liaising with BMs. Assessing training needs of SME staff.	5%
7	Monitoring and supervision of watch list/classified accounts and to assist other related departments/branches as and when required.	5%
8	To ensure timely recovery of Mark Up as per approved terms/ in line with internal/external policy guidelines CHB & To ensure timely recovery of outstanding principal as per approved terms/ in line with internal/external policy guidelines CHB.	5%
9	Guide teams of RMs/Ras/Trade officers/managers on issues with RMG, LAG, CRCD, TSC, Treasury & FX Group, ARG, Region/Circle etc.	5%
10	To maintain strong internal controls to ensure adherence to regulations as well as to internal policies in letter & spirit.	5%

KNOWLEDGE AND EXPERIENCE

Knowledge and Skills	MBA/M.Com or any acceptable Masters Degree i.e. Masters in Business Economics/Finance/Accounting/Marketing or suitable/relevant Professional qualifications like CA, CFA, ACCA etc.
Experience Profile	7 to 10 years os experience in running sizeable Credits/SME Team/Unit/Branch, with full accountability. Comprehensive knowledge of retail banking principles, practices and procesdures. Understanding of banking opertions, regulations and risk management, latest SBP regulations, FE manual, internal CHB guidelines etc.
Behavioural Competencies	Strong communication and negotiable skills. Strong leadership and people management skills. Ability to create Motivational environment.

Important Note

“Females and Persons with disabilities having required skill set are encouraged to apply . MCB bank Ltd is an equal opportunity employer and is committed to create an inclusive environment for all employees.”

To apply for this position please share your resume at [email protected] Do not forget to mention the title of the position in the subject of your email.

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Senior Relationship Manager – SME SME Centre

JOB Description

PRINCIPAL ACCOUNTABILITIES

KNOWLEDGE AND EXPERIENCE

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