Banka Amerikane e Investimeve - ABI Bank
14.09.2012, 16:25
Vacancy Announcement
Ref Job number: #001#
Job Title:SBE Account Manager
Location: Tirane
Division: Business Center/Retail
Closing Date: 21 September 2012
Crédit Agricole - Albania S.A., a market leader in universal customer-focused banking in France and one of the largest banks in Europe
seeks to serve the real economy by supporting its clients’ projects in all areas of retail banking and associated specialized business lines.
Emphasizing its values and its commitment, we are the bank of common sense. It puts the satisfaction and the interests of its 54 million customers, 160,000 employees, 1.2 million shareholders and 6.5 million mutual shareholders, at the heart of its activities.
We are seeking to recruit: SBE Account Manager
Job purpose: • To establish and develop a qualitative loan portfolio with regard to Small Business Enterprises. Provides credit examination and account administration of the portfolio under his/her responsibility by maintaining strong and frequent contacts with the customers.
Direct Reports to: Head of Business Center Sector
Main Responsibilities:
· Promotes the Bank’s product and services to the SBEs segment, in order to generate new sales and increasing volumes of lending portfolio for SBE segment.
· Establishes and maintains, in cooperation with the Regional and Branch Managers, regular communications with existing / potential customers, in order to :
· Identify needs of this segment of customers for Bank products and services
· Attract financial sound customer in a long term relationship with Bank
· Inform the customer on bank product and services, changes in pricing policy of the bank, etc.
· Performs visits at customer’s sites, prepare a thorough examination of the financial data submitted by customer, as well as identifies possible deviations and mismatching.
· Prepares the respective Call Memos related the visits / meetings performed with the respective clientele. It is responsible for checking, cross checking and verifying on best of his/her knowledge, all the documents and data provided by the customer.
· Prepares the credit proposals in compliance with the internal policies, central bank regulations and instructions in force and presents them in the respective approval authorities.
· Manages the accounts of the customers by providing them with the necessary information and expertise before, during as well as after the business request processing. Prepare and provide the customer with the list of required documents for the loan examination.
· Provides the required information and data to the other units of the Bank (i.e. risk, legal, loan admin, etc.) necessary for the processing of a loan application generated.
· Monitors the portfolio quality for the customers up to 60 days in delay by calculating all penalties, overdue interest and fees related to overdue loans. Cooperates for the collection process of the customers in delay more than 60 days in delay as per the respective collection strategy in force.
· Performs the annual reviews of the files according to the respective policies in force and within the defined deadlines.
· Negotiates and proposes restructuring forms for the customers falling within the criteria of restructuring, after careful analysis performed.
· Cooperates with respective branches during the sale process, credit analysis as well as after the loan request approval.
· Coordinates with HO units for the accomplishment of the necessary documentation & conditions during loan analysis/review/renewal process.
· Monitors on time and reports the accomplishment of the post-disbursement conditions related to their portfolio of customers.
· Follow up and report to the respective supervisor on customer performance and/or any other issue related with customer future situation.
· Reports immediately to his supervisor any verbal and/or written claim of the customers related to Bank’s services, products, processes, customer service, etc.
· Ensures his/her actions are in full compliance with the Bank’s rules and regulations, as well as legislations in force.
The ideal Candidate should have:
· Ability to work in team and under cut off –s / deadlines
· Good financial knowledge
· Good communication skills
Criteria to be fulfilled:
University degree in Economics and related fields
Good written and spoken English
How to apply:
Strong motivated candidates looking for a dynamic job and professional team are welcomed to apply by following these steps:
1- Properly fill our standard application form available to be downloaded. We kindly advise to carefully fill all required info and obligatory fields. For downloading the application form, please click here (http://emporiki.com.al/foto/Job%20Applic2012.doc).
2- Submit the completed application form by sending it only through this e-mail address jobapplication@emporiki.com.al.
3- In the e-mail subject please specify clearly the position reference number.
Please note that only shortlisted candidates will be further contacted from our HR specialists.
Ref Job number: #001#
Job Title:SBE Account Manager
Location: Tirane
Division: Business Center/Retail
Closing Date: 21 September 2012
Crédit Agricole - Albania S.A., a market leader in universal customer-focused banking in France and one of the largest banks in Europe
seeks to serve the real economy by supporting its clients’ projects in all areas of retail banking and associated specialized business lines.
Emphasizing its values and its commitment, we are the bank of common sense. It puts the satisfaction and the interests of its 54 million customers, 160,000 employees, 1.2 million shareholders and 6.5 million mutual shareholders, at the heart of its activities.
We are seeking to recruit: SBE Account Manager
Job purpose: • To establish and develop a qualitative loan portfolio with regard to Small Business Enterprises. Provides credit examination and account administration of the portfolio under his/her responsibility by maintaining strong and frequent contacts with the customers.
Direct Reports to: Head of Business Center Sector
Main Responsibilities:
· Promotes the Bank’s product and services to the SBEs segment, in order to generate new sales and increasing volumes of lending portfolio for SBE segment.
· Establishes and maintains, in cooperation with the Regional and Branch Managers, regular communications with existing / potential customers, in order to :
· Identify needs of this segment of customers for Bank products and services
· Attract financial sound customer in a long term relationship with Bank
· Inform the customer on bank product and services, changes in pricing policy of the bank, etc.
· Performs visits at customer’s sites, prepare a thorough examination of the financial data submitted by customer, as well as identifies possible deviations and mismatching.
· Prepares the respective Call Memos related the visits / meetings performed with the respective clientele. It is responsible for checking, cross checking and verifying on best of his/her knowledge, all the documents and data provided by the customer.
· Prepares the credit proposals in compliance with the internal policies, central bank regulations and instructions in force and presents them in the respective approval authorities.
· Manages the accounts of the customers by providing them with the necessary information and expertise before, during as well as after the business request processing. Prepare and provide the customer with the list of required documents for the loan examination.
· Provides the required information and data to the other units of the Bank (i.e. risk, legal, loan admin, etc.) necessary for the processing of a loan application generated.
· Monitors the portfolio quality for the customers up to 60 days in delay by calculating all penalties, overdue interest and fees related to overdue loans. Cooperates for the collection process of the customers in delay more than 60 days in delay as per the respective collection strategy in force.
· Performs the annual reviews of the files according to the respective policies in force and within the defined deadlines.
· Negotiates and proposes restructuring forms for the customers falling within the criteria of restructuring, after careful analysis performed.
· Cooperates with respective branches during the sale process, credit analysis as well as after the loan request approval.
· Coordinates with HO units for the accomplishment of the necessary documentation & conditions during loan analysis/review/renewal process.
· Monitors on time and reports the accomplishment of the post-disbursement conditions related to their portfolio of customers.
· Follow up and report to the respective supervisor on customer performance and/or any other issue related with customer future situation.
· Reports immediately to his supervisor any verbal and/or written claim of the customers related to Bank’s services, products, processes, customer service, etc.
· Ensures his/her actions are in full compliance with the Bank’s rules and regulations, as well as legislations in force.
The ideal Candidate should have:
· Ability to work in team and under cut off –s / deadlines
· Good financial knowledge
· Good communication skills
Criteria to be fulfilled:
University degree in Economics and related fields
Good written and spoken English
How to apply:
Strong motivated candidates looking for a dynamic job and professional team are welcomed to apply by following these steps:
1- Properly fill our standard application form available to be downloaded. We kindly advise to carefully fill all required info and obligatory fields. For downloading the application form, please click here (http://emporiki.com.al/foto/Job%20Applic2012.doc).
2- Submit the completed application form by sending it only through this e-mail address jobapplication@emporiki.com.al.
3- In the e-mail subject please specify clearly the position reference number.
Please note that only shortlisted candidates will be further contacted from our HR specialists.