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.
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
Prepare Various types of proposals for credit facilities, Ensure Cps go through a full balance sheet, income statement and cash flow analysis, Scrutiny of all documents, accounts payment history etc.
Relationship Facilitation & Service
Follow a structured process as assigned by RM/SRM to service existing customer. May visit the customer with/without RM and write the call report, Resolve client query without further escalation. Must respond promptly to emails and telephone calls.
Analysis/Documentation Support
Maintain the validity of accounts, monitoring receipt of payments from customer and documentation of their facilities. Monitor all accounts in term of credit movement, business volumes and control including pending/overdue documents and payments.
Follow up for upcoming TR due dates and PAD Retirements. Provide regular updates to SRM on performance of accounts allocated. 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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