Senior Relationship Manager – Commercial Center (AVP / VP)

About This Role

Key Responsibilities

• • Develop and implement business strategies to book quality assets in alignment with organizational goals
• • Promote the bank's financing products, including working capital, trade finance, and term loans
• • Manage and enhance existing client relationships to ensure portfolio retention and growth
• • Collaborate with internal stakeholders to provide seamless client service
• • Achieve financial and non-financial targets, including revenue, portfolio growth, and client satisfaction
• • Contribute to the bank's overall strategy by meeting Key Performance Indicators (KPIs)
• • Supervise and guide a team of Relationship Managers to achieve individual and collective business goals
• • Provide coaching, mentoring and performance feedback to build team capability and ensure professional culture
• • Structure and recommend appropriate financing solutions tailored to client needs
• • Prepare comprehensive credit proposals in compliance with internal policies and regulatory guidelines
• • Ensure credit facilities are approved within the risk appetite of the bank
• • Ensure adherence to internal credit policies, SBP regulations, and AML/KYC guidelines
• • Regularly review the financial health and performance of clients to identify potential risks and opportunities
• • Conduct periodic client visits and provide updates on portfolio performance
• • Track early warning signals and initiate remedial measures for accounts showing stress
• • Actively monitor and manage classified and watch list portfolio to minimize credit losses
• • Engage with clients for restructuring, settlement or recovery of overdue exposure
• • Coordinate with recovery, SAMG and legal teams for resolution strategies, including negotiated settlements, rescheduling or legal action including transfer of relationship process of loss accounts to SAMG
• • Work closely with internal stakeholders such as Credit Risk, Operations, Treasury and recovery unit
• • Supervise and oversee overall operations of the unit and ensure that all activities are conducted strictly complying to the Bank's policies & procedures along with SBP Prudential Regulations
• • Perform any other assignment as assigned by the supervisor(s)

Requirements & Qualifications

• ✓ Minimum Graduation or equivalent from a local or international university / College / Institute recognized by the HEC of Pakistan
• ✓ Master's degree in Business (preferred)
• ✓ Professional certifications such as AIBP, JAIBP (preferred)
• ✓ Minimum 6 years of banking experience
• ✓ At least 2 years' experience as Team Leader and / or Unit Head and / or SRM role in Business Lending
• ✓ Experience in Business Finance, specifically in Commercial Financing, SME and / or Corporate Banking
• ✓ Experience in similar role in a Commercial Bank
• ✓ Strong understanding of Credit Lending, Commercial Financing, Credit and Trade Finance
• ✓ Sound knowledge of Banking Regulations and Market Dynamics
• ✓ Ability to lead a Business team
• ✓ Ability to work under pressure
• ✓ Geographical and client knowledge of the place of posting
• ✓ Relationship Management and negotiation ability
• ✓ Analytical, communication and problem-solving skills
• ✓ Ability to manage multiple tasks, organize priorities and meet targets
• ✓ Proficiency in MS Office and databases

Skills & Expertise

What We Offer

• ✓ 3-year contractual position (renewable at Management discretion)
• ✓ Compensation package as per Bank's policy
• ✓ Benefits as per Bank's policy / rules
• ✓ Opportunity to work with a leading Pakistani bank
• ✓ Professional growth in commercial banking
• ✓ Team leadership and mentoring opportunities
• ✓ Contributing to National Bank's inclusive development mission