Relationship Officer/ Relationship Manager– SME Banking (AO-SO)

Job Description

Title: Relationship Officer/ Relationship Manager– SME Banking (AO-SO)

Company Name: SHIMANTO BANK PLC

Vacancy: --

Age: At most 35 years

Job Location: Barishal, Gazipur, Narayanganj, Dhaka (Keraniganj, Old Dhaka)

Salary: Negotiable

Experience:

• 2 to 5 years
• The applicants should have experience in the following business area(s): Banks

• Minimum Graduation in any discipline (preferably in Business) from any reputed university.

• 3rd division or 3rd class in any exam are discouraged to apply.

• 2 to 5 years
• The applicants should have experience in the following business area(s): Banks

• Age At most 35 years

• Open to both male and female applicants.

• Ability to think strategically and make data-driven decisions.

• Preference for candidates with experience in centralized banking.

• Relationship Management: Establish and actively maintain strong relationships with CMSME customers within the branch’s territory, ensuring high-quality service delivery and client retention.

• Asset & Deposit Mobilization: Meet and exceed business targets set for the CMSME portfolio (both loans and deposits) at the branch level.

• Business Development & Credit Appraisal: Identify and acquire new CMSME clients, conduct initial credit appraisals, prepare complete credit proposals, and process related documentation for approval.

• On-Site Verification: Conduct thorough on-site visits to client businesses/factories to validate applicant financials, assess collateral, and perform rigorous due diligence.

• Portfolio Monitoring: Closely monitor the credit quality of the branch's SME portfolio, identify early warning signals of potential default, and drive timely recovery efforts.

• Branch Collaboration: Assist the Branch Manager with localized budget preparation, resource planning, and branch-specific business strategies.

• Internal Liaison & Compliance: Maintain close communication with head office departments (e.g., Credit Risk Management, Operations) and support the branch in compiling necessary regulatory data and compliance reports.

• Negotiable

• Other benefits are as per Bank`s Human Resources Policy