Relationship Manager, Corporate Banking

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JOB PURPOSE

Assist Head of Department in credit acquisition for corporate loans/ financings to exceed target as well as managing the team members.

JOB ACCOUNTABILITIES :

1. Credit Acquisition

• Work with Head of Department and lead the Team Members with a focus on originating deals, wallet sizing and cross-selling on existing portfolio, exceeding clients' expectations and overall growth.

• Work within the confines of the Risk Management framework.

2. Account Profitability

• Maximize earnings potential and revenue of relationships.

• Review and monitor revenue performance.

• Multiple products sold to clients.

• Managing portfolio's ECL and ensuring asset quality of the portfolio.

3. Client Relationship Management

• Support, identify, solicit and establish a high value client base for the bank

• Ultimate ownership of customer relationship and customer interface

• Activate opportunities and risk criteria.

• Manage proactively a portfolio of corporate accounts by monitoring the status and credit risk of each account.

• Internal coordination/liaison with service delivery centers / HQ departments to maximize process efficiency and customer satisfaction.

4. Service Management

• Promptness in completing annual reviews, other credit submissions and preparation of Executive Summary, where necessary.

• Ensure promptness and quality of credit processing

• To present all annual review papers to Group Management Credit Committee.

• Monitor overdue accounts and undertake prompt measures to prevent deterioration to NPL.

• Provide customer level information to relevant parties within the Bank.

• Facilitate the drawdown of facilities.

5. Staff Development

• Mentor and coach to the Assistant Relationship Manager(s) (ARM)

• Identify training needs and recommend ARM for development training.

• When and where necessary, to guide and advise the ARM of their portfolio management

6. Compliance to Regulatory and Bank's Policies and Procedures

• To comply with regulatory and Bank's internal policies and procedures and provide feedback to ensure better efficiency.

• Ensure that client instructions are duly effected by applying all standard checks and controls, coordinating with other departments including Operations/Finance/ Compliance.

• Accurately assess the risk profile, suitability and appropriateness of clients when marketing products and services by maintaining an accurate and up to date call report.

• To manage the application of AML/CFT internal programs and procedures including proper maintenance of records and to report suspicious transactions.

• Apply regulatory requirements such as KYC, AML/CFT and procedures at all times

7. Additional Responsibilities

• Undertake additional responsibilities e.g. working committees etc. assigned by the immediate superior when required.

QUALIFICATIONS AND EXPERIENCE :

• Degree in Finance, Accounting or equivalent.

• Experience in auditing will be an added advantage

• Candidate with professional credit certification such as PCC, CCE, BCP, Chartered Banker will be an added advantage.

• Minimum 5 years of banking experience with majority exposure to corporate banking and credit risk management.