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JOB PURPOSE
Assist HOD in credit acquisition of corporate loans/ financings to exceed targets as well as managing the team members.
ACCOUNTABILITIES
1. CREDIT ACQUISITION
• Work with HOD and lead the Team Members with a focus on originating deals, wallet sizing, and cross-selling on an 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
• The ultimate ownership of customer relationships 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 of 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, guide and advise the ARM on their portfolio management
6. COMPLIANCE WITH REGULATORY AND BANK POLICIES AND PROCEDURES
• To comply with regulations 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 and 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 reporting 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
• Degree in Finance, Accounting, or equivalent.
• Candidates with professional credit certifications such as PCC, CCE, BCP, and Chartered Banker will be an added advantage.
• Minimum 6 years of banking experience with majority exposure to corporate banking and credit risk management.