Relationship Senior Associate (Erbil) SMEs

Administrative Technical and Operational Responsibilities

• Prepare and submit periodic reports to the direct manager regarding workflow progress acquired customers field visits financing opportunities and transactions under process.
• Maintain and update records and data related to credit transactions customer visits clients and pending requests.
• Follow up with internal departments to ensure timely completion of transactions and the resolution of outstanding requirements and observations.
• Manage 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.
• Monitor indicators of potential default or deviations in credit relationships within assigned accounts and escalate cases that require corrective action or further review.
• Perform any other related duties and responsibilities as assigned by the direct manager or team leader.
• Meet with existing and prospective customers to present banking services and direct credit facilities tailored to small businesses.
• Engage with business owners to introduce the banks products and competitive advantages supporting sales growth and the acquisition of new customers.
• Conduct field visits to prospective small businesses to present suitable banking services and credit facilities.
• Conduct field visits to existing businesses to verify business continuity assess the nature of operations and confirm the actual purpose of the requested facilities.
• Analyze the financial and economic data of businesses to support sound recommendations regarding the granting of credit facilities.
• Prepare customer credit assessments including analysis of business activities income expenses cash flows repayment sources account statements and proposed collateral.
• Review and analyze customer applications and provide appropriate financing solutions that meet their needs in terms of facility type amount repayment period installments collateral and applicable terms 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 in accordance with approved standards and update customers financial and credit information.
• Execute sales activities related to small business financing facilities and acquire 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 necessary approvals.
• Ensure compliance with financial credit and legal policies and procedures as well as the instructions of the Central Bank of Iraq and all applicable regulations.
• Follow up on customer needs respond to inquiries and provide appropriate solutions in coordination with relevant departments to maintain customer satisfaction and long-term relationships.

Qualifications :

• Bachelors 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