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Assistant Relationship Manager - Business Credit

Job Description - Assistant Relationship Manager - Business Credit

Description
  • Analyze financial statements (balance sheet, income statement, cash flow) to assess client creditworthiness.
  • Perform ratio analysis, trend analysis, and cash flow projections.
  • Evaluate industry risks, business models, and macroeconomic factors affecting clients.
  • Prepare credit risk ratings in line with internal and regulatory frameworks.
  • Identify early warning signals and potential risk exposures in the portfolio.
  • Prepare credit applications/memos for new and existing clients, including:

    • Facility structures (loans, overdrafts, trade finance, etc.)
    • Risk analysis and mitigants
    • Financial projections and sensitivities
    • Coordinate with Risk, Legal, Compliance, and Credit teams for approvals.
    • Ensure credit proposals comply with internal policies and regulatory requirements.
    • Review loan documentation and ensure accuracy prior to execution.


Responsibilities

  • Manage transactions with customers using cash registers

  • Scan goods and ensure pricing is accurate

  • Collect payments whether in cash or credit

  • Issue receipts, refunds, change or tickets

  • Redeem stamps and coupons

  • Cross-sell products and introduce new ones

  • Resolve customer complaints, guide them and provide relevant information

  • Greet customers when entering or leaving the store

  • Maintain clean and tidy checkout areas

  • Track transactions on balance sheets and report any discrepancies

  • Bag, box or gift-wrap packages



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