Relationship Officer (SME Banking)

Job Description

Title: Relationship Officer (SME Banking)

Company Name: Midland Bank PLC

Vacancy: --

Age: At most 45 years

Job Location: Anywhere in Bangladesh

Salary: Negotiable

Experience:

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

• Bachelor/Honors

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

• Age At most 45 years

• Strong interpersonal and communication skills with effective business acumen.

• Adequate computer literacy to work on online software modules & MS Office packages.

• Self-motivated with good business network.

• Minimum graduation with relevant background from reputed university without having no 3rd class/division or equivalent CGPA in any examination

• Develop sales strategies for SME product channels and manage the overall health of the existing portfolio.

• Source and acquire prospective SME business to achieve assigned targets.

• Target SME accounts using effective sales methodologies aligned with commercial banking and wealth management needs of customers.

• Monitor proper utilization of credit facilities in SME accounts, ensuring asset quality and conducting periodic facility reviews.

• Monitor non-performing SME loans and formulate appropriate restructuring and recovery strategies.

• Assess SME loan applications in line with approved credit policies and regulatory guidelines.

• Analyze business cash flows and recommend suitable structured loan products.

• Regularly monitor the existing SME portfolio and conduct post-disbursement visits to borrowers and guarantors to reduce PAR and NPL.

• Maintain in-depth knowledge of customers’ businesses and securities through regular visits and industry research.

• Cross-sell CASA, L/C, bank guarantees, and other relevant banking products.

• Support the Head of SME Banking in assigned projects, internal tasks, and market analysis; provide feedback on market trends, industry/sector performance, and portfolio quality.

• Ensure full compliance with internal policies, procedures, and applicable regulatory requirements.