Senior Sales Associate

Company based in Podgorica currently has an opening for:

SENIOR SALES ASSOCIATE

Corporate Department

Position based in Podgorica

Job summary and Main responsibilities/tasks:

• Gives to clients information and advices related to all Bank's products;
• Receives and process loan and guarantee claims for corporate clients as well as loans on behalf of other parties with control of accompanying documentation and appraisement of
• Conducts business activities based on the transactions related to deposits of corporate
• Participates in development of periodic and yearly work plans and prepares reports about
• Participates in development of new products and services projects;
• Independently performs the entire process of analysis and evaluation of credit, guarantees and letter of credits requests for corporate clients and entrepreneurs, suggests the level of reservations by placement in line with the Bank's legislation and legislation of Central
• Bank of Montenegro, makes written opinions about the quality of credit proposal with all necessary information for decision making and sends it together with credit proposal for opinion to Department for Risks Management, Supervision and Reporting and also on decision making to the responsible permanent body of Board of Directors;
• Defines the exposure limit of the Bank towards client;
• Undertakes everything necessary so the condition of approval of credit and issuance of guarantees are meet in line with the proscribed procedures of credit business;
• Forwards the requests to the responsible Bank body for opinion about the quality of credit or guarantees issue proposal;
• Properly implements the decisions about credit approval and guarantees issuing, makes contracts and supervises the course of credit;
• Guarantees for the accuracy of the data about clients in the Bank's information system.
• Exchanges the information about clients with other organizational units in the Bank;
• Keeps internal record of credit requests and approved credit proposals with analysis and credit marks based on the group creditworthiness;
• Follows the collection of approved placements and sends appropriate notices and
• Continuously monitors and evaluates all receivables for the purpose of timely detection of possible irregularities and risks in collection. Pays special attention to the receivables with higher level of risk and undertakes the most appropriate measures to remove irregularities and avoid possible disputes;
• If it’s needed, visits debtors of the Bank in order to collect receivables;
• Submits files of risky placements for further procedure to Department for Risks Management, Supervision and Reporting;
• Keeps up to date the register of placement data which are classified as risky placements;
• Maintains business relations with existing clients, establishes relationships with potential clients and introduces them to the Bank's products and services;
• Maintains and improves relations with important clients;
• Responsible for all valuable papers in clients files;
• Provides assistance in performing professional tasks and undertakes education of employees;
• Prepares for posting and forwarding documentation to other Departments or conducts the necessary postings at the collection and reclassification of placements;
• Provides timely delivery of correct and complete information for calculations on approved placements and maintains operational contacts with the Business Operations
• Support Department in order to gather information about the progress and updating of receivables collection;
• Cooperates with other Departments on issues of importance for commercial and other areas of the Bank;
• Disposes of and archives Department's documentation;
• Provides information and performs correspondence related to Department's business tasks;
• Performs activities in accordance with the law and bylaws, policies and procedures of the Bank;
• Performs other tasks delegated by the Head of Department.

Qualifications:

• University degree – Preferably Economy/Management;
• At least one year of work experience – Preferably in Corporate Department;
• Desirable experience with Pexim application;
• Full working proficiency in English;
• Proficiency in Microsoft Office Suite;
• Excellent communicational and interpersonal skills;
• Fast working and responsive person.

If you believe that your qualifications and profile match the above description, please send
your CV by using the option KONKURIŠITE NA OGLAS.

Only shortlisted candidates will be contacted.