Senior Relationship Manager, Cash Sales

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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.

ACCOUNTABILITIES:

• 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.
• 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.
• 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.
• 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.
• 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.
• 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.
• 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.