Oussama YOUNES

• Market and manage assigned middle market customer relationships to achieve targeted returns within the risks defined and accepted by the Bank in an effort to grow middle market segment portfolio, increase cross-sell to customers within portfolio, and manage credit quality and economic profitability;
• Ensure credit quality of the own portfolio is in line with the Bank credit policy and risk appetite;
• Coach and mentor the customer service officer of the center and develop him/her through on-the-job
training and giving increasing responsibilities.

• Identify clients' needs and provide relevant information related to the Bank products and services;
• Prepare and analyze loan files for professional clients;
• Prepare credit analysis report including recommendations and present it for approval;
• Study car and housing loan files for professional clients and submit them to management for final decision;
• Follow-up on overdrafts and unpaid loans;
• Manage bills' list and ensure availability of sufficient funds in clients' accounts, and arrange necessary
contact to ensure deposit when necessary;
• Cross-Sell different retail products to Professional clients including insurance, cards and mobile banking, POS, etc.

• Manage the customer relationship;
• Follow up on overdraft operations and execute required transfers to cover;
• Promote different bank products; cards, life insurance, etc;
• Initiate and plan actions according to targets in order to boost production, and track weekly and monthly results;
• Visit companies with payroll domiciliation in order to open accounts for employees (if needed);
• Participate in external animation.

• Inquire about walk-in customer needs before executing requested operation/s;
• Process cash and check deposits; cash withdrawals and account to account transfers ensuring accuracy of deposit slip;
• Abide by applied laws, regulations and procedures;
• Issue Banker's checks, certified checks, outgoing and incoming transfers;
• Execute different type of payments as advised by the Bank procedures;
• Control and balance end of day reports of currency, cash, transfers and checks;
• Promote and advise on Bank retail products and services;
• Assist Relationship Managers in setting appointments with targeted customers.