Relationship Manager for SME-Hub (JO –JAVP)

Job Description

Title: Relationship Manager for SME-Hub (JO –JAVP)

Company Name: NRB Bank PLC

Vacancy: --

Age: At most 40 years

Job Location: Anywhere in Bangladesh

Salary: Negotiable

Experience:

• At least 3 years
• The applicants should have experience in the following business area(s): Banks

• At least 3 years
• The applicants should have experience in the following business area(s): Banks

• Age At most 40 years

-       Bachelor/Honors/Masters

-       Minimum graduation from reputed university without having no 3rd class/division or equivalent CGPA in any examination

-       Computer Knowledge is a must.

-       Good communication skill.

-       Age not exceeding 40 years (Age relaxation may be given to deserving candidates).

-       Minimum of 3 to 7 years relevant professional experience in Bank

The Relationship Manager (SME) will be responsible for driving the growth of the bank's Small and Medium Enterprise portfolio. The role involves identifying high-potential businesses, conducting rigorous credit appraisals, and managing the end-to-end relationship to ensure both profitability and asset quality. The ideal candidate acts as a financial consultant to SME clients while strictly adhering to internal credit policies and regulatory guidelines. We are looking for experienced officials for our Sylhet Hub, Dhaka South Hub, Dhaka North Hub, Chattogram Hub, North Hub & South Hub.

Job Responsibilities

-       Develop and execute effective sales strategies to source and acquire prospective SME clients, ensuring the achievement of periodic business targets (Both funded & non-funded).

-       Analyze client business models, cash flows, and key financial indicators to determine repayment capacity and risk mitigation strategies.

-       Evaluate SME credit proposals in accordance with the bank’s internal lending policies and Bangladesh Bank/regulatory circulars.

-       Conduct thorough physical visits to business premises and proposed collateral sites to validate financial information, KYC, and due diligence.

-       Manage the overall health of the assigned SME (HUB)portfolio by monitoring credit facility utilization and ensuring timely renewals.

-       Conduct regular post-disbursement visits to borrowers and guarantors to maintain in-depth knowledge of their business operations.

-       Focus on maintaining superior asset quality by proactively identifying early warning signals to minimize Portfolio at Risk (PAR) and Non-Performing Loans (NPL).

-       Cross-sell CASA and other relevant banking products.

-       Find out client`s fund requirements, key financial indicators, repayment capacity, risk & its mitigation, collateral security aspects, bank transaction performance, portfolio growth & turnover, business & product nature, major customers/competitors, etc.

-       Ensure full compliance with internal credit policies, operational procedures, and all regulatory requirements.

-       Maintain accurate MIS (Management Information Systems) and ensure timely reporting to senior management.

-       Coordinate seamlessly with CAD, Credit Risk Management (CRM), Trade Service Division to ensure an efficient value chain.