Business Client Advisor (M/F) - Agadir
Company sector : Banking / Finance
COMPANY :
Saham Bank has become a leading financial Group, based on a proven model of universal banking and synergies with its 14 specialized subsidiaries.
Saham Bank has adapted its organization and structure to best meet the expectations of all its clients: Large Companies, Institutional Investors, SMEs/SMIs, Individuals and Professionals, by covering all business areas and offering a wide range of complementary services.
In Morocco, Saham Bank is driven by a corporate project aiming to make our bank "The reference relationship bank in its markets, close to its clients, chosen for the quality and commitment of its teams".
Nearly 4000 employees are currently driven by this same ambition, supported by 4 key values: Team Spirit, Commitment, Responsibility and Innovation.
WHY CHOOSE US?
At Saham Bank, we are convinced that people are the drivers of change, and that the world of tomorrow will be made up of all their initiatives, from the smallest to the most ambitious.
Whether you join us for a few months, a few years, or your entire career, together we have the means to make a positive impact on the future. Creating, daring, innovating, and taking initiative are part of our DNA.
If you also want to be active, evolve in a stimulating and supportive environment, feel useful every day, and develop or strengthen your expertise, we are meant to meet!
Company culture :
Job :
You will be in charge of a portfolio of business clients under good risk and profitability conditions.
Your main missions:
Develops and enhances, in agreement with the Business Relationship Manager (BCE) and the Business Center Director (DCAF), their portfolio to ensure objectives are met.
Ensures daily quality monitoring of operations within their portfolio.
Handles client requests and complaints.
In this role:
Commercial aspects
Is responsible for achieving commercial objectives and developing the net banking income (PNB) of their portfolio.
Develops and enhances their portfolio in terms of product usage, deposits, and commitments within the framework of the action plan developed in agreement with the BCE and DCAF.
Ensures the quality of daily client relationships.
Ensures proper monitoring and handling of client complaints within their portfolio.
Risk aspects
Monitors daily incoming compensation events.
Works with the BCE to recalibrate credit lines to reduce the frequency of ad-hoc requests.
Uses proximity to the client to monitor early warning indicators and commercial recovery management status.
In agreement with the BCE, manages the recovery of overdue debts in their portfolio, identifies regularization solutions with the client, and oversees their follow-up.
Ensures the management of the portfolio's credit risk (CNR).
Operational aspects
Ensures compliance with the rules applicable to their activity and the operations they handle, both in terms of financial security (KYC, AML/CFT) and regulatory non-compliance risk, reputational risk, or social responsibility.
Ensures operational risks are managed.
Ensures the client file is regularly updated.
Takes charge of executing action plans to regularize detected anomalies and identified non-compliance risks.
Required profile :
Profile sought:
Technical skills:
Sales skills
Good knowledge of bank products
Good financial understanding
Behavioral skills:
Good interpersonal skills
Enjoys challenges
Commitment
Sense of sharing and cooperation
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