Relationship Manager Affluent Banking ( Asir)

About the Role

Riyad Bank is seeking a Relationship Manager for Affluent Banking to join its team in Khamis Mushayt, 'Asir. This full-time role involves managing client relationships and driving business development within the affluent banking segment. The position requires 2-5 years of relevant experience.

Key Responsibilities

• Build and maintain strong relationships with affluent clients through regular visits to prospects and existing customers.
• Develop a comprehensive understanding of customers' organizations, industries, and global practices to meet their banking needs.
• Identify revenue opportunities and actively sell Retail Banking products to achieve sales targets.
• Maximize product penetration and cross-selling, actively seeking structured finance opportunities.
• Develop and follow up on account plans in a consistent and timely manner.
• Provide insights on governmental demand for commercially viable loans that meet market needs.
• Review and approve Credit Applications (CAs) according to authority levels, ensuring quality and completeness before submission to Credit for review.
• Collaborate with the Credit Analytics Unit and Risk Management to enhance the quality of the credit portfolio.

Operational Duties

• Adhere to all relevant departmental policies, processes, standard operating procedures, and instructions.
• Manage day-to-day operations related to the role to ensure work continuity.
• Contribute to identifying opportunities for continuous improvement in processes and practices, considering international best practices, cost reduction, and productivity enhancement.
• Assist in preparing timely and accurate reports for Riyad Bank in line with company and department requirements, policies, and standards.
• Comply with all relevant safety, quality, and environmental management policies, procedures, and controls.

Qualifications and Experience

• A minimum of 2-5 years of experience in relationship management, preferably within affluent banking or financial services.
• Demonstrated ability to build and maintain client relationships.
• Strong understanding of financial products and services, particularly within Retail Banking.
• Experience in credit application review and approval processes.

Required Skills

• Excellent sales and negotiation skills.
• Strong analytical and problem-solving abilities.
• Effective communication and interpersonal skills.
• Ability to work collaboratively with internal teams, including Credit Analytics and Risk Management.
• Proficiency in developing and executing account plans.

Work Environment

This is a full-time position based in Khamis Mushayt, 'Asir, within a structured banking environment that emphasizes adherence to policies and continuous improvement.