Relationship Senior Associate (Baghdad) SMEs

Administrative Technical and Operational Duties:

• Prepare and submit periodic reports to the direct manager on workflow progress acquired clients visits conducted financing opportunities and transactions under processing.
• Maintain and update records and databases related to credit transactions client visits customers and pending requests.
• Follow up on transactions with internal departments to ensure timely completion and resolution of pending requirements and observations.
• Monitor assigned customer accounts in terms of activity level compliance relationship quality and customer needs.
• Document the outcomes of field visits observations and recommendations related to customers.
• Perform any other related tasks and responsibilities as assigned by the direct manager or team leader.
• Meet with existing and prospective clients to present the banks services and direct and indirect credit facilities.
• Communicate with companies and small enterprises to introduce the banks products and competitive advantages supporting sales growth and customer acquisition.
• Conduct field visits to prospective companies and institutions to present suitable banking services and credit facilities.
• Conduct field visits to existing companies to verify business continuity the nature of operations and the actual purpose of the requested facilities.
• Analyze customers financial and economic data to support recommendations regarding the granting of credit facilities.
• Prepare credit studies for customers including analysis of financial statements supporting documents bank statements receivables reports cash flows repayment sources and proposed collateral.
• Study and analyze customer requests and propose appropriate financing solutions that meet their needs in terms of facility type amount repayment period installments collateral and conditions.
• Negotiate credit facility terms and conditions with customers within the approved authority limits and guidelines and follow up on the preparation of contracts and required documentation after approval.
• Conduct annual customer reviews within the assigned portfolio according to approved standards and update customers financial and credit information.
• Execute activities related to selling SME financing facilities and acquiring new customers in line with established sales plans.
• Prepare applications and documentation for proposed credit facilities for acquired customers and coordinate with relevant stakeholders to obtain the required approvals.
• Ensure compliance with financial credit and legal policies and procedures as well as the instructions of the Central Bank of Iraq and all related regulations.
• Monitor indicators of credit deterioration or deviations within assigned accounts and escalate cases requiring attention or corrective action.
• Follow up on customer needs respond to inquiries and provide suitable solutions in coordination with relevant departments to maintain customer satisfaction and long-term relationships.

Qualifications :

• Bahelors degree in Accounting Finance and Banking Sciences Business Administration or an equivalent qualification in the fields of Management and Economics.
• 13 years of experience at a minimum in a similar functional role.

Additional Information :

Remote Work :

No

Employment Type :

Full-time