Relationship Officer

The Relationship Officer supports the effective management of the corporate credit portfolio by maintaining accurate and up-to-date customer and facility information, monitoring compliance with approved facility terms, and ensuring adherence to KYC, AML, regulatory, and security documentation requirements. The role contributes to strong risk management, operational discipline, and high-quality customer service in line with the Bank’s standards and business objectives. Primary responsibilities include preparing initial credit requests by assessing financial statements, cash flows, repayment capacity, business performance, and other relevant credit information for corporate clients. The officer also prepares credit applications for renewals, amendments, and new facility proposals in line with the Bank’s credit policy under the guidance of the Assistant Relationship Manager. Additionally, the role involves maintaining accurate financial and non-financial information for assigned corporate loan accounts, including covenant tracking, facility spreads, repayment schedules, and periodic reporting requirements. The officer monitors customer and facility compliance with approved terms and conditions, escalates exceptions, breaches, or overdue documentation for corrective action, and ensures full compliance with KYC, AML, sanctions screening, and other regulatory requirements. The Relationship Officer conducts periodic and annual reviews of security documentation for corporate accounts to confirm completeness, validity, and alignment with approved facility structures. They also prepare, update, and maintain portfolio reports, call notes, compliance trackers, and other records required for effective relationship and credit monitoring. Coordination with internal stakeholders such as Credit, Legal, Operations, Trade Finance, Risk, Compliance, and other departments is essential to ensure timely completion of portfolio-related activities. The role delivers customer service in line with the Bank’s mission, values, and service standards.

Bachelor’s degree or professional qualification in Banking, Finance, Accounting, Business Administration, Economics, or related field; Minimum of 2-3 years of relevant experience in corporate banking, relationship management, or credit analysis; Strong understanding of financial statements, cash flow analysis, and credit risk assessment; Knowledge of KYC, AML, and regulatory compliance frameworks; Proficiency in banking software and Microsoft Office Suite; Excellent communication and interpersonal skills; Ability to work collaboratively in a team environment; Attention to detail and strong organizational skills.