Relationship Manager - Corporate Banking

Group

Corporate Banking 

Reports To

Head of Corporate Banking

Direct Reports

N/A

Internal Relationships

• London Corporate Banking Team
• London Credit team
• International Credit Team staff/members
• Operational staff
• Senior Management 
• Treasury 
• NBK Kuwait 
• Relationship teams throughout International Banking
• Compliance team
• NBK Private Banking 
• Other International Banking Group Branches
• NBK Financial Institutions Group

External Relationships

• Corporate Clients
• Other Banks
• External lawyers
• External advisors
• External vendors

Job Purpose

• Support Head of Corporate Banking to develop and manage on a day-to-day basis both potential new customer targets and existing customers to meet assigned financial and non-financial targets, in compliance with NBK and NBKIs’ policies and procedures, regulations and prevailing best practices
• Have the ability individually to originate loans and guarantee transactions for Corporate Banking, including reverse solicitation deals in Scandinavia from arranging banks.
• Prepare credit applications and reviews for new/prospective customers and existing customer facilities (annual reviews) that adequately address relevant risk factors in the industry, market and business.
• Deal with and resolve customer problems and requirements, in coordination with appropriate in house and external support functions, to ensure timely, friendly and accurate delivery of NBKI’s products and services.
• Support the Head of Corporate Banking in negotiating and documenting facilities for clients
• Assisting with the management of watchlist and impaired credits
• Supervise and provide mentoring to junior member of the team
• Be prepared to get involved in numerous middle office functions of the team and ongoing multi-disciplinary projects

Anti Money Laundering (AML) and Sanctions Responsibilities:

As a client facing department, Corporate Banking contains the first line of defence to prevent NBKI being used to facilitate money laundering, terrorist financing and sanctions breaking (collectively known as “Financial Crime”). There is a responsibility:

• Adhering to NBKI’s Financial Crime Policies & Procedures;
• Responsibility for conducting KYC in accordance with NBKI’s customer due diligence procedures;
• Escalate high risk clients to the MLRO/Deputy MLRO and CEO for further review;
• Ensure periodic reviews are being conducted in accordance with the risk classification of the client;
• Address any material changes to the clients’ circumstances; 
• Ensure that all customer on – boarding and periodic reviews are completed within agreed timeframes;
• To notify the MLRO or Deputy MLRO for any potential suspicious activity;
• Complete financial crime training on a timely basis assigned by the Financial Crime Department;
• Assist and help the AML Middle Office with any transaction monitoring queries;
• Deal with any Financial Crime/Compliance related queries/tasks in an appropriate and timely manner

Key Responsibilities & Accountabilities

• Proactively support the Head of Corporate Banking to develop and manage on a day to day basis both potential new customer targets and existing customers to meet assigned financial and non-financial targets, in compliance with NBKI’s policies and procedures, regulations and prevailing best practices
• Timely, accurate and rigorous written analysis of Corporate, Financial Institutions and Trade Finance applications in support of new transactions and annual reviews
• Manage the administrative aspects, documentation and regulatory/accounting issues pertaining to the sourcing, execution and ongoing monitoring of relationships and transactions, including managing the related requirements of the credit approval process and KYC.

Qualification & Experience

1. Qualifications:-  

Good university degree (minimum UK 2:1 or equivalent)

Masters, Professional accountancy certification, MRICS or CFA qualifications are    preferred. 

1. Experience:-      

          Minimum 7-8 years of credit analysis experience, primarily with various European 

          counterparties and industry sectors, encompassing good knowledge of UK corporate credit, trade finance and (some) banks/financial institutions experience 

Competencies

Essential

Seasoned credit analyst with strong experience in range of industry sectors

• Ability to adapt to working in a multi-cultural environment. 
• Strong analytical thinking and problem-solving skills and ability to work independently are required.
• Highly efficient, team player, with good attention to detail, accuracy and eye for market research and following industry trends pertaining to bank’s portfolio. 
• High standard performer that enjoys working in a dynamic and small team. 
• Ability to work unsupervised, to tight deadlines and to withstand occasionally high pressure demands.  Willingness to work beyond normal working hours when necessary to support the team.
• Accuracy and high level of numeracy in relation to financial analysis. Highly skilled at spreadsheets; ideally with some financial modeling experience. 
• Good team player.
• Quality and customer-focused

Skills

Essential

The job holder requires:

1. High level of credit skills and experience in ideally both the corporate and banks/FI areas.  Some experience of analysing structured or more complex transactions. 
2. Advanced financial analysis skills 
3. Highly numerate candidate 
4. Skilled in financial modeling.  
5. Good working knowledge of banking and securities market products.
6. Ability to examine and evaluate cross border risk.
7. Good awareness of  market developments (including financial markets, industry sectors, macro political and economic issues
8. High level of accuracy and attention to detail 
9. A highly motivated starter (with drive to develop business) and keen team player

Key Success Factors

Consistent high-quality output and performance.   Ability to contribute positively to a small, close team and establish good working relationships with relevant parties and colleagues.