Relationship Manager, Southern Corporate Office

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Job Purpose
Assist Head, Corporate in credit acquisition of corporate loans to exceed target as well as managing the team members.

Accountabilities

Credit Acquisition

1. Lead the Team Members with a focus on originating deals, exceeding clients expectations and overall growth.
2. Work within the confines of the Risk Management framework.

Account Profitability

1. Maximize earnings potential and revenue of relationships.
2. Review and monitor revenue performance.
3. Multiple products sold to clients.

Client Relationship Management

1. Support, identify, solicit and establish a high value client base for the bank.
2. Ultimate ownership of customer relationship and customer interface.
3. Activate opportunities and risk criteria.
4. Manage proactively a portfolio of corporate accounts by monitoring the status and credit risk of each account.
5. Internal coordination/liaison with service delivery centers / HQ departments to maximize process efficiency and customer satisfaction.

Service Management

1. Ensure promptness and quality of credit processing.
2. Monitor overdue accounts and undertake prompt measures to prevent deterioration to NPL.
3. Provide customer level information to relevant parties within the Bank.
4. Facilitate the drawdown of facilities.

Staff Development

1. Mentor and coach to the Credit Analyst (CA).
2. Identify training needs and recommend CA for development training.
3. When and where necessary, to guide and advise the CA of his portfolio management.

Compliance to Regulatory and Bank's Policies and Procedures

1. To comply with regulatory and Bank’s internal policies and procedures and provide feedback to ensure better efficiency.
2. Ensure that client instructions are duly effected by applying all standard checks and controls, coordinating with other departments including Operations/Finance/ Compliance.
3. 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.
4. To manage the application of AML/CFT internal programs and procedures including proper maintenance of records and to report suspicious transactions.
5. Apply regulatory requirements such as KYC, AML/CFT and procedures at all times.

Additional Responsibilities

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

Qualifications And Experience

1. Degree in Finance, Accounting or equivalent.
2. Candidate with professional credit certification such as PCC, CCE, BCP, Chartered Banker will be an added advantage.
3. Minimum 3 years of banking experience with majority exposure to corporate banking and credit risk management.