Presently function as a Relationship Manager at Millennium Branch-Credit Department handling a portfolio consisting of large corporate clients which spread across sectors such as Hotels, Trading entities, financial institutions etc. Total advances portfolio is in excess of USD 50.0 Million. (40% of total departmental portfolio)

RESPONSIBILITIES:

Visiting of Clients for marketing of new business and evaluation purposes.

Shared responsibility for the budgeted growth in advances, deposits, contribution & reduction of Non Performing Assets.

Risk Management.

Actively monitoring the risk profile and the quality of the advances portfolio handled.

Follow up for quarterly financials and projection to ensure that the bank's exposure is secure especially in the currently volatile economic conditions prevailing in the country.

Monitoring of account activity to ensure that the facilities extended are utilized for the purposes they were intended for.

Customer Relationship Management.

Building relationships with existing clients and creating new relationships with prospective clients.

Constant dialog with clients and their operational staff to improve the utilization levels of the facilities granted whilst also reviewing the service standards of the bank.

In my personal experience I have witnessed that such close relationships with the decision makers have always resulted in being given the first right of refusal when it came to new opportunities.

Evaluation of Credit Proposals.

Analyzing of Financial data of clients evaluating historical information and using projections to support and justify proposed lines, undertaking market risk analysis, competitor analysis, SWOT analysis, and using all this information for the preparation and submission of proposals for Credit approval.

Monitoring of Accounts.