Yousef Al-Khater
Relationship Manager
Khobar
Summary
Seeking for a position with a reputed organization to showcase my excellent interpersonal, communication skills & qualifications as well as gaining additional professional experience in order to make a significant contribution to increase the business revenue.
Overview
16
16
years of professional experience
8
8
Certifications
4
4
Languages
Work History
Relationship Manager
Banque Saudi Fransi
2021.01 - Current
- Maintaining a deep knowledge of organization products and services.
- Building and maintaining strong relationships with prospective and existing clients.
- Researching and pursuing new business opportunities.
- Identifying clients' needs and requirements and proposing suitable solutions.
- Providing clients with comprehensive product/service consultations and guiding their decision-making process.
- Upselling and cross-selling products/services to clients.
- Resolving complaints and issues efficiently and in a timely manner.
- Meeting sales/revenue targets.
- Ensuring client satisfaction.
Assistant Relationship Officer
Banque Saudi Fransi
2017.05 - 2020.12
- Preparation of Credit Files in terms of:
- Conducting the annual reviews on time by initiating credit files as part of banks procedures to review the granted credit facilities and entertaining clients’ requests as part of growing the business and maintaining healthy portfolio
- Reflecting generated profitability figures and required statistics and compare it to the budgeted figures
- Preparing Short Form Credit File to entertain any business requirements for the customers
- Making sure submission of financial statements on time and completion of spreading along with the required financial analysis and credit analysis
- Conduct site visits and clients calls with other departments within the banks to assure covering all client’s banking needs and expectation in order to maximizes products penetration & cross-selling
- Maintenance of Credit Facilities
- Collaborates with the Credit Risk Management on an ongoing basis in order to constantly secure and enhance the quality of the credit portfolio
- Resolving issues raised by clients which require the involvement of another operating entity (Branch, Credit Cards, POS,
Credit Analyst
Banque Saudi Fransi
2012.11 - 2017.04
- Provides support to designated Relationship Officers in terms of:
- Assists in the preparation of Credit Files in terms of:
- Initiating credit information request on a timely basis
- Compiling required statistics and profitability figures in coordination with Administrative Assistant/ Support Staff
- Preparing Short Form Credit File
- Following-up, submission of financial statements and completion of spread sheet, in consultation with concerned RO
- Attending to daily money market transactions
- Loan & Deposit initiation, FX transactions and, Handling the prompt processing of exceptional request
- Inter-facing between clients and other operational entities in the Bank
- Responding to queries related to the client’s account, resolving any issues raised by clients, Follow-up with clients for submission/ regularization of any legal documents and securities
- Maintenance of Credit Limits
Senior Operations Processor
Riyad Bank
2006.06 - 2012.10
- Dealing with all types of trade products such as Import/Export LC's, Bill of Collection and Guarantees (Issuing, checking documents, payment, all financial transactions belong to the Trade Services, dealing with the department’s local/overseas correspondence)
- Review the LC or LG application, export LC or Collection Instruction prior to issuance/advising for proper construction and contact the applicant in case of need
- Deal directly with customers concerning expired LCs, LGs, amendments and cancellation
- Follow-up with customer all enquiries from correspondent bank
- Deal with queries and correspondence from correspondent and other third parties.
- Responsibility for the day-to-day servicing requirements of clients’ portfolios
- Resolve customer’s complaints and problems
- Work in line with SLA.
Education
Bachelor degree - Business Administration
Arab Open University
Diploma degree - Banking Operation
Institute of Public Administration
Skills
- Operations analysis
- Finance and accounting operations
- Reports for senior management
Certification
- Financial Statements Analysis
Timeline
Relationship Manager
Banque Saudi Fransi
2021.01 - Current
- Financial Statements Analysis
2018-04
Assistant Relationship Officer
Banque Saudi Fransi
2017.05 - 2020.12
- Credit Analysis - Advance
2017-01
- Contract Financing Advance
2016-11
- Financial Projections: Cash Flow Forecasting
2016-10
- Advance Cash Flow Analysis
2014-11
- Bank Lending & Credit Risk Analysis
2014-06
- Financial Accounting
2013-12
- Cross Selling & Team Responsibilities
2013-02
Credit Analyst
Banque Saudi Fransi
2012.11 - 2017.04
Senior Operations Processor
Riyad Bank
2006.06 - 2012.10
Bachelor degree - Business Administration
Arab Open University
Diploma degree - Banking Operation
Institute of Public Administration