RM- Non-Borrowers Institutions- Erbil

• Manage and develop relationships with non-borrowing corporate and commercial clients, ensuring their banking needs are met efficiently.
• Promote the bank’s products and services through direct and cross-selling to attract new clients, deposits, and current accounts.
• Implement strategies to expand the client base, increase market share, and grow deposits in coordination with corporate and business departments.
• Maintain regular client communication, address inquiries, and coordinate with relevant departments to ensure client satisfaction.
• Conduct field visits and maintain an updated client database.
• Monitor competitor interest rates, adjust deposit pricing, and analyze deposit balance trends to inform strategic decisions.
• Prepare reports and statistics on client deposit activity, including withdrawals, deposits, and portfolio performance.
• Participate in business continuity and emergency response teams to minimize crisis impact and ensure rapid operational recovery.

Requirements:
• Bachelor’s degree in Business Administration, Banking, or a related field.
• Minimum 8–10 years of banking experience, including at least 5 years in corporate lending or relationship management.
• Preferably experienced with major corporations, industrial and commercial groups, and large economic entities.
• Excellent command of English (written and spoken).
• Proficiency in computer use and banking systems.
• Thorough knowledge of the bank’s products, services, policies, and procedures.
• Strong direct and cross-selling skills.
• Excellent presentation, communication, and negotiation skills.
• Strong analytical, planning, and organizational abilities.
• Ability to work effectively under pressure and motivate teams.
• Familiarity with Companies Law, Banking Law, and Central Bank regulations is an advantage.