The Relationship Support Officer (RSO) is primarily responsible for assisting the Branch or Relationship Manager in effective client portfolio management; strong communication skills and the confidence to manage frequent client contact is a key requirement.
Responsibilities
Branch/RM in the following core processes, Credit proposal processing, relationship facilitation, analysis/documentation and customer service and will liaise with Branch Operations Staff in execution of these duties. Whilst specific duties may be allocated by the Branch/relationship Manager, this is strictly on the basis the RSO is only following duties outside of scope of regulations as set by the Certification Regime such as:
* Credit Proposal Processing
o Prepare various types of proposals for credit facilities.
o Ensure Cps go through a full balance sheet, income statement and cash flow analysis.
o Scrutinise all documents, accounts payment history etc.
* Relationship Facilitation & Service
o Follow a structured process as assigned by RM/SRM to service existing customer.
o May visit the customer with/without RM and write the call report.
o Resolve client query without further escalation.
o Must respond promptly to emails and telephone calls.
* Analysis/Documentation Support
o Maintain the validity of accounts, monitoring receipt of payments from customer and documentation of their facilities.
o Monitor all accounts in terms of credit movement, business volumes and control including pending/overdue documents and payments.
o Follow up for upcoming TR due dates and PAD Retirements.
o Provide regular updates to SRM on performance of accounts allocated.
o Propose renewal of limits, maintain insurance policies, stock reports etc.
Skills
* Financial analysis
* Credit writing skills
* Working level general understanding of legal documentation, property insurance documents and valuation reports
* Computer literate with working knowledge of word processing and database software as well as competent in internet usage
* Strong verbal and written communication skills
* Preferably bilingual (English and Urdu / and/or Punjabi)
* Willing team player
* Knowledge of banking operations and regulations
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