Business Banking Relationship Manager – SMEs jobs at HSBC Bank Egypt December 2019

Business Banking Relationship Manager – SMEs 
Principal Accountabilities: 
Impact on the Business:
  • Act as Relationship Manager by offering value-added advice and guidance to customers and placing their needs at the forefront of all that we do, setting world class standards Grow sustainable revenues from existing customer portfolio and through targeted acquisition of quality new customers
  • Structure credit facilities to ensure optimum balance between customer and HSBC interests within the bounds of prudent banking
  • Proactively develop effective strategies to manage relationships, both existing and new, by anticipating customer needs and providing superior quality services resulting in increased wallet share.
  • Keep up-to-date on knowledge of HSBC’s international and domestic strategy, capabilities and policies.
  • Keep abreast of external factors influencing international and domestic business e.g. economic, cultural, geographical, procedural and regulatory requirements.
  • Align to MTO and Area Operating Targets defined by the Group (Revenue, RoRWA etc.)
  • Increase profitability, relationship depth while minimizing risk.
  • Generate cross country referrals facilitated via Global Links and local or overseas IBC, whichever appropriate.
  • Work with product partners (such as GLCM, GTRF, Insurance) to assess needs of international and domestic customers  and offer appropriate solutions.
  • Build a network of business introducers in the local professional and business
Customers / Stakeholders:
  • Put customers first in all that we do and develop/increase connectivity.
  • Own customer engagement; ensure service excellence at all times, for all aspects of any customer, prospect or professional’s interaction with HSBC.
  • Optimise the potential value and profitability of existing relationships by assisting in the delivery of solutions, products and services appropriate to meet customer need and to improve customer engagement.
  • Be an ambassador for HSBC and develop the bank’s profile in the local business community.
  • Take a proactive approach to client planning collaborating effectively with products partners and colleagues to assess customer needs and delivering appropriate solutions.
  • Work in partnership with colleagues across the HSBC network to deliver exceptional standards and quality of service.
  • Ensure fairness in all aspects of strategy, product design & delivery, sales processes, customer literature & correspondence, financial promotions, administration and complaint handling.
  • Establish an interactive dialogue process with Risk Management teams in order to build a sustainable asset growth.
  • Participate in internal and external business events, road shows and seminars as required by the business
  • Enhance the Bank’s image in the marketplace to build key relationships with third parties , and in conjunction with management, establish strong relationships with HSBC customers/prospects and accountants/lawyers, GTRF Advisors etc
  • Ensure early identification of problem relationships and proper action to be taken on potential and existing problem accounts to protect HSBC interests
Operational Effectiveness & Control:
  • Adhere to structures and processes in place for the management of credit, operational, reputation and regulatory risk.
  • Complete, timely, and in-depth evaluations or reviews of financial and operating risks for all credit facilities, in order to ensure usage is in accordance with approved terms and conditions.
  • Ensure credit and operational quality is not compromised in the pursuit of income
  • Ensure operational losses and fraud are minimised
  • Respond within agreed timelines to issues raised by audit and external regulators.
  • Ensure timely and accurate maintenance of customer information, including KYC requirements in Group systems
  • Resolve any/all identified issues promptly, and escalate concerns to management as appropriate to ensure timely awareness of any material concerns.
  • Maintain and observe all HSBC control standards and implement and observe the Group Compliance Policy, including the timely implementation of recommendations made by internal/external auditors and external regulators.
  • Maintain awareness of operational risk within assigned portfolio and minimise the likelihood of it occurring including its identification, assessment, mitigation and control, loss identification and reporting.
  • Protect sensitive customer and bank information by ensuring documents, computers, files, and all confidential matters are appropriately handled as set forth by policy.
  • Maintain and observe all HSBC control standards and implement and observe the Group Compliance Policy, including the timely implementation of recommendations made by internal/external auditors and external regulators.
  • Ensure all sales and prospecting activity documentation is complete to provide performance tracking and targeting future sales efforts.
  • Liaise with direct service channels if/when appropriate to certify and deliver an outstanding service to customers.
  • Compliance with and management of sales suitability risks and requirements
  • Ensure all completed sales and prospecting activity documentation is appropriately completed, approved and stored to provide performance tracking, targeted future sales efforts and compliance with sales and transactional suitability guidelines and requirements
Qualifications:
  • Minimum 5 years of relevant experience.
  • Knowledge of the HSBC’s Business Banking products and services.
  • Proven ability in identifying and meeting customer needs through a broad range of products and services.
  • Proven analytical ability, with experience of credit or relationship management within the BB sector.
  • Proven level of business acumen and commercial awareness including economic, cultural, procedural and regulatory issues.
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