Sales Client Relationship Executive (1 Position)

Reports to: Client Relationship Manager
Department: Sales & Marketing Department
Location: Branch

Sales Client Relationship Executive works under the supervision of the Bank's Client Relationship Managers and Deputy Head of Sales & Marketing Department and is responsible for attracting, analysing and managing financing requirement of clients of the Bank.

KEY RESPONSIBILITIES:
1. Create & manage own financing portfolio
(a) Promotion: Conducting direct promotion and/or other marketing activities on a regular basis to attract clients (borrowers);
(b) Application: Screening prospects' eligibility, taking financing applications and arranging appointments with clients;
(c) Assessment: Conducting financing analyses by visiting the business and household of clients, visiting the business/employer of guarantors and preparing a complete financing assessment according to the Bank's credit procedures;
(d) Proposal: Presenting financing proposals to the financing committee;
(e) Decision: Informing the client about the decision of the financing committee;
(f) Disbursement: Arranging the disbursement in collaboration with the Disbursement Unit and the client;
(g) Monitoring and Recovery: The CRE is fully responsible for his/her financing portfolio and has to ensure punctual repayments by monitoring financings with the Core Banking System and contacting and visiting clients. In the case of late payments the CRE has to take immediate measures mentioned in the financing procedures document, including contacting client and guarantors, on-site visits and assisting in any legal procedures until full repayment of the financing.

2. Ensure high-quality standards of the Bank (a) The CRE is responsible for complying with the Bank's financing policy, the financing procedures and all memos and regulations concerning the operations department at all times;
(b) All necessary financing forms have to be filled in by the CRE before presenting a financing proposal to the financing committee;
(c) The CRE conducts monitoring client visits on a regular basis in order to be always up to date with the financial and personal situation of clients in his/her portfolio;
(d) The CRE is obliged to report problematic financings immediately to the Client Relationship Manager as soon as he/she becomes aware of such situations;
(e) The CRE participates in the financing committee and/or the recovery committee. His/her participation is active, critical and conscientious.
(f) The CRE has to communicate any suspected fraud cases to his/her direct supervisor or to the bank management.

3. Reach targets set by the credit department
The CRE is obliged to reach all quantitative and qualitative targets set by the Sales and Marketing Department.

4. Other tasks
(i) Responsible for additional ad-hoc tasks as assigned by Department Head / Deputy Head or Client Relationship Manager.
(ii) Anticipating, identifying and promptly addressing tasks and issues that arise in their area of responsibility that are not specified in the job description. Ensuring that their manager is aware of these tasks and issues.

5. Results expected to achieve:
- Drive for Results: Achieving a monthly disbursement targets set by the Sales & Marketing Department.
- Portfolio Quality, Monitoring and Recovery: Ability to maintain at every time an excellent portfolio quality, i.e. an average monthly PAR1 of not more than 3%; inform/instruct/educate clients pro-actively to prevent overdue; ability to confront difficult clients and to take accurate recovery measures independently and on time; decides adequately and independently, when to seek the support of superiors.
- Knowledge, Compliance and Accuracy: In depth knowledge of financing products, procedures and regulations; demonstrates awareness of their importance and complies 100% with them without any support of superiors; accuracy in fulfilling the tasks; inspires trust.
- Self-Discipline: Completes tasks in time; punctual; adheres to instructions; meets deadlines; keeps agreements; inspires reliability.
- Planning & Organising: Organises workload to maximise efficiency; ensures target-fulfilment, excellent portfolio quality and high service quality to the client throughout the month.
- Financing Committee: well prepared for the financing committee, at Financing Committee, presents cases for approval clearly and succinctly, acknowledging and responding to the opinions of other team members, and contributing constructive comments and opinions to the presentations of other team members.
- Team Work: Relationship of respect and support to other team members; offers support to, and seeks support from, others; shares knowledge with others; building up a productive relationship with team members.
- Client Orientation: : Listens effectively and respectfully to clients’ needs and concerns offering solutions and explanations in a professional manner; ensures a minimum processing time; considers client’s need and requests in the financing proposal without increasing the risk.
- Initiative, Independent and Pro-active Work: Takes initiatives and works independently to carry out daily work without the need of supervision by the CRM within her/his levels of authorities; knows exactly the boundaries of authority and when to seek support from superiors; anticipates and addresses problems.
- Openness and Learning: Listens to critics openly; discusses critical issues constructively; open to change opinion, if reasonable and independently with whom s/he discusses; implements corrections given by the Group Leaders or other superiors immediately; accepts openly decisions of Group Leaders and other superiors