Manage, conduct and develop account relationship with the portfolio of accounts assigned.

To lead origination work in bringing SME clients and business in for the Bank in coordination with Large Corporate, Commercial Banking and Project Finance.

To entertain clients introduced by other parties related to the Bank as well as walk-in corporate customers.

To evaluate credit worthiness of SME clients, through gathering, evaluation and analysis of client information.

To find solution (where appropriate), to gather the necessary information and to prepare credit  proposal for financing for SME clients with the objective of achieving timely financial closure as well as the Bank’s budget taking into account the credit quality and other risk management considerations within the agreed Turn-Around-Time (“TAT”).

To manage communication and maintain the relationships with SME clients through constant communication, client visits and exceptional service delivery.

To respond to internal queries from Risk Management, Shari’a, Legal and Operations necessary for the transaction approval to be obtained.

To coordinate with Credit Administration in execution of the documents and perfection of securities.

To handle deferral/waiver requests when required.

To respond appropriately to queries from other stakeholders such as (but not limited to), Shari’a Audit, Internal Audit, Compliance and CBO.

Work out solutions for ‘SM’ and Classified accounts under the portfolio, with a view to monitor and regularize the accounts to prevent further provisions.

To monitor the Bank’s portfolio and pipeline marketing performance related to the team.

To participate and contribute in developing SME Unit’s business plans and strategy for SME Banking

To undertake special assignments related to SME Unit as instructed by the Head of SME.

Minimum 2 years of previous banking experience.

Minimum of 1 years of experience in SME Banking (inclusive).

Minimum 1 years of experience in Relationship Management (inclusive).

Any professional certification or post-graduate qualification such as CFA, MBA and/or others related to business would be an added advantage.

Time management and the ability to work at odd hours depending on client needs

Ability to travel and meet clients

Highly tolerant to clients’ behaviours

Ability to interact and solve problems especially with more than one party being involved.

Able to demonstrate strong relationship with SME entities in Oman.