Job Purpose:
· Actively solicit and develop new customer relationships and deepen engagement levels with existing customers.
· Effectively understand/identify/assess customer needs, to be able to recommend effective solutions and proactively pursue business opportunities with existing and new customers who fall within the Bank’s risk appetite / business strategy.
· Conduct regular credit reviews with thorough analysis of customer’s credit standing.
· Proactively monitor transactions and credit quality, and implement appropriate strategies to actively manage the relevant risks.
Provide timely and effective customer service to build good customer engagement and satisfaction.
Job Scope:
Business Management
- Solicit and develop new customer relationships to build growth in the Bank’s Corporate Banking business.
- Deepen engagement and relationship levels with existing customers to drive improved revenues for the Bank.
- Regular calls to actively pursue business opportunities with new and existing customers.
- Effectively understand/identify/assess customer needs, to be able to recommend effective solutions and achieve fruitful cross-sell of the Bank’s products and services viz trade finance, loans, deposits, and foreign exchange treasury products.
Compliance & Risk Management
- Perform credit risk assessment on new and existing customers. This would include the timely preparation of periodic and transactional credit proposals in an accurate and well-organized manner, § that is supported by sufficient depth of analysis and succinct insights and recommendations.
- Review and negotiate customer documentation to ensure adherence to the Bank’s risk and compliance requirements.
- Conduct due diligence on transactions – including collateral positions, counterparties, market price, shipment details, etc.
- Vigilantly monitor customer activities (trade volume / ancillary business etc.) to prevent and minimize undue risk of unusual or suspicious activities.
- Possess awareness and understanding of KYC / AML compliance requirements, to ensure adherence to regulatory requirements and internal policy guidelines / procedures.
Data Collection & Process Development
- Compile and prepare all necessary documentation to establish account / extend facilities.
- Coordinate day-to-day transactions with Trade Operations and Branch Operations to timely turnaround and good customer service.
- Prepare credit memos, internal business reports, customer proposals and call reports with accuracy, in a well-organized manner and supported by sufficient depth of analysis and succinct insights and recommendations.
- Timely and accurate provision of information and responses to internal and external audits.
Customer Service
- Coordinate and follow up on day-to-day transactions to ensure customers receive smooth and timely service.
- Respond to and resolve enquiries / problems in a timely and effective manner.
- Conduct regular meetings with customers to develop/maintain strong and meaningful engagement.
Personal Development & Training
- Develop good written and oral communication skills, to reach out to customers effectively.
- Develop good understanding on trade finance products and services to ensure the Bank is able to provide sound advice to customers.
- Develop good credit / risk analysis skills and transactional due diligence awareness, to effectively monitor key credit and transactional risks.
- Uphold the highest level of ethical standards and integrity in all activities, including compliance with the Bank’s Code of Ethics and Business Conduct.
- To uphold professionalism in conduct and project a professional image as an employee of the Bank.
Qualification and Experience:
Minimum qualifications:
Degree in Banking & Finance
Minimum experience:
8 - 10 years of relevant experience
Required skillset:
- Strong knowledge of trade finance and corporate banking products and procedures
- Strong credit and financial analysis skills
- Good written and oral communication skills
- Demonstrated track record in being able to proactively generate solutions and in procuring support from internal stakeholders
