Commercial Banking Relationship Manager

About Banque Saudi Fransi (BSF)

Banque Saudi Fransi is a prominent financial institution dedicated to fusing Saudi leadership with international banking standards. Since its inception, BSF has surpassed customary banking limits by empowering ambition, fostering growth, and shaping enduring legacies. Join a vibrant team committed to advancing progress for individuals, businesses, and society.

Our Values

• Prioritizing the needs of our people, customers, shareholders, and society above self-interest, fostering a protective community spirit.
• Upholding honesty and transparency among colleagues even when it risks temporary discord, always maintaining professionalism.
• Emphasizing team collaboration over individual ego by valuing ideas and leveraging others' expertise.
• Striving for simplicity in all tasks to enable success and efficiency, taking ownership without unnecessary interference.
• Pursuing excellence with passion and ambition to be the top choice for all stakeholders.
• Adopting a forward-thinking mentality with swift decision-making and a bias towards proactive actions.

Key Responsibilities

• Drive revenue and asset growth by delivering tailored solutions and value-added services to existing clients while expanding the client base through acquiring new relationships and cross-selling BSF products.
• Develop and maintain strong relationships with clients and key customers, addressing their banking needs with high-quality advice and core banking solutions.
• Achieve budget targets consistently on a monthly, quarterly, and annual basis by monitoring revenues and spreads to ensure profitability.
• Assess clients' financial requirements to offer appropriate core banking and cross-selling products including Treasury and Capital services.
• Identify prospects using personal networks, referral contacts, and satisfied clients to grow the client base.
• Maintain ongoing contact with clients to understand their evolving needs and provide suitable services continuously.
• Oversee daily client operations, including actions on maturing deposits and facilities, managing card renewals and deliveries, and handling account exceptions.
• Gain knowledge of credit operations and associated risks to effectively support credit-related tasks.
• Collect information on clients' financial assets and income to assist credit evaluation.
• Collaborate with credit teams to prepare client credit applications and monitor credit facilities closely to address any discrepancies promptly.
• Manage legal documentation accurately and maintain thorough records of all client communications and documentation in compliance with BSF, SAMA, and CMA policies.
• Contribute to training and monitoring Relationship Officers to enhance product knowledge and procedural expertise.

Qualifications and Experience

• Bachelor's degree in Business, Finance, Economics, or related disciplines.
• Three to four years of experience within financial institutions, particularly targeting Elite or Wealth client segments.
• Strong exposure to general banking operations and services.

Skills and Knowledge

• Excellent communication, active listening, and negotiation abilities.
• Proficiency in sales and marketing concepts.
• Understanding of portfolio management techniques.
• Familiarity with financial instruments.
• Knowledge of relevant laws and government regulations.
• Awareness of Sharia-compliant investment principles.
• Fluency in English literacy.

Behavioral Competencies

• Customer Focus: Committing to strong client relationships and personalized, customer-centric banking solutions.
• Collaboration: Partnering effectively across functions to achieve shared goals and enhance cross-selling capabilities.
• Agility in Learning: Embracing experimentation and continuous improvement in a transforming banking environment.
• Innovation: Pursuing novel and improved methods to succeed despite a regulated industry context and digital disruptions.
• Accountability: Upholding commitments personally and professionally to advance the organization's performance culture.
• Decision Quality: Making prompt, informed decisions that propel the organization forward in a fast-paced setting.
• Trustworthiness: Building confidence through integrity, honesty, and consistent actions.

Leadership Competencies

• Vision & Purpose: Inspiring others through a compelling future outlook aligned with the bank's strategy.
• Strategic Thinking: Anticipating future trends and developing breakthrough strategies accordingly.
• Talent Development: Cultivating employees to achieve both personal career aspirations and organizational objectives during the ongoing digital transformation.