Relationship Officer

Job Summary

We are seeking an experienced
and result-oriented Relationship Managers, Corporate Banking to manage
and grow corporate banking relationships across key sectors including Oil
& Gas, Telecommunications, Power & Infrastructure, Agriculture, Non-Oil
Exports, Manufacturing, Large Corporates, and Conglomerates. The successful
candidate will be responsible for originating, developing, and managing
corporate client relationships, driving revenue growth, identifying business
opportunities, conducting credit analysis, and preparing high-quality Credit
Approval Memorandum (CAM) for credit requests.

The ideal candidate must
possess in-depth knowledge of the assigned sectors, understand
industry-specific value chains and business dynamics, and demonstrate strong
relationship management and credit analysis capabilities.

Job Description

The successful candidate will
be responsible for:

Relationship Management

- Develop and manage profitable
relationships with corporate clients across various sectors.
- Identify new business
opportunities and actively grow the bank's corporate customer base.
- Maintain regular engagement with
existing and prospective clients to understand their banking needs.
- Deliver tailored banking solutions
to clients while ensuring superior customer experience.

Business Development

- Drive the acquisition of quality
corporate accounts and revenue-generating opportunities.
- Market the bank's products and
services to existing and potential customers.
- Achieve assigned financial and
business development targets.
- Increase wallet share and
penetration within assigned portfolios.

Credit Analysis and CAM
Preparation

- Conduct detailed financial and
credit analysis on corporate customers.
- Prepare comprehensive and
high-quality Credit Approval Memorandum (CAM) for credit facilities and
renewals.
- Assess credit risks and recommend
appropriate mitigating measures.
- Present credit proposals to
internal approval committees where required.
- Monitor approved credit facilities
and ensure compliance with credit terms and conditions.

Sector Coverage and Advisory

- Maintain deep knowledge of the
following sectors:
- Oil & Gas
- Telecommunications
- Power & Infrastructure
- Agriculture & Non-Oil Exports
- Manufacturing
- Large Corporates
- Conglomerates

- Understand sector trends, market
developments, key risks, and opportunities.
- Provide industry insights and
advisory support to clients and internal stakeholders.

Portfolio Management

- Monitor portfolio performance and
ensure asset quality.
- Minimize non-performing loans
through proactive portfolio monitoring.
- Ensure timely renewal of
facilities and compliance with regulatory and internal requirements.
- Prepare portfolio reviews and
management reports as required.

Compliance and Risk Management

- Ensure adherence to bank policies,
regulatory requirements, and risk management standards.
- Perform Know Your Customer (KYC)
and Anti-Money Laundering (AML) requirements in line with regulatory
guidelines.
- Identify and escalate emerging
risks within customer portfolios.

Requirements

- Minimum of 3-7 years relevant
experience in Corporate Banking, Commercial Banking, Relationship
Management, or Credit Analysis.
- Demonstrated experience managing
clients within one or more of the following sectors:
- Oil & Gas
- Telecommunications
- Power & Infrastructure
- Agriculture & Non-Oil Exports
- Manufacturing
- Large Corporates
- Conglomerates

- Proven ability to originate and
structure corporate banking transactions.
- Strong understanding of corporate
financial statements and credit assessment techniques.
- Extensive experience in preparing
and defending Credit Approval Memorandum (CAM).
- Strong knowledge of lending
processes, risk management principles, and regulatory requirements.
- Ability to identify business
opportunities and convert prospects into profitable banking relationships.
- Excellent stakeholder engagement
and client relationship management capabilities.

Required Skills

Technical Skills

- Strong Credit Approval Memorandum
(CAM) writing skills.
- Financial statement analysis and
interpretation.
- Credit risk assessment and
portfolio management.
- Corporate lending and transaction
structuring.
- Industry and sector analysis.
- Financial modelling and cash flow
analysis.
- Knowledge of banking products and
corporate finance solutions.

Sector Knowledge

- In-depth understanding of the
operations, value chains, risks, and opportunities within:
- Oil & Gas
- Telecommunications
- Power & Infrastructure
- Agriculture & Non-Oil Exports
- Manufacturing
- Large Corporates
- Conglomerates

Soft Skills

- Excellent relationship management
skills.
- Strong business development and
negotiation capabilities.
- Effective communication and
presentation skills.
- Analytical and problem-solving
abilities.
- High attention to detail.
- Strong interpersonal and
stakeholder management skills.
- Ability to work independently and
as part of a team.
- Results-oriented with a strong
commercial mindset.

Key Competency Requirement

- Demonstrable expertise in CAM
writing and credit proposal preparation is a mandatory requirement for
this role.