Job Responsibilities:
- Build and maintain relationships with small and medium-sized enterprise (SME) clients, understanding their financing needs and business objectives
- Act as the main point of contact for SME clients, addressing inquiries, concerns, and requests promptly and effectively
- Develop a deep understanding of clients' businesses, industries, and market dynamics to provide tailored financial solutions
- Source and identify new lending opportunities within the SME segment, including prospecting and lead generation activities
- Conduct comprehensive credit assessments and risk analyses for loan applicants, evaluating their creditworthiness, financial stability, and repayment capacity
- Structure and negotiate loan terms and conditions in accordance with lending policies, regulatory requirements, and risk management guidelines
- Manage a portfolio of SME loan accounts, monitoring loan performance, repayment behaviour, and compliance with loan agreements
- Proactively identify and address potential credit risks or delinquencies, implementing appropriate remedial actions as necessary
- Work closely with internal stakeholders, such as credit analysts and legal teams, to ensure timely and accurate loan documentation and processing
- Provide financial advisory services to SME clients, offering insights and recommendations on business growth strategies, cash flow management, and capital allocation
- Assist clients in preparing loan applications and supporting documentation, guiding them through the loan approval and disbursement process
Job Requirements:
- Bachelor’s Degree in banking
- Minimum 4 years' experience in commercial banking, SME lending, or relationship management, with a focus on business development and credit analysis
- Demonstrated track record of successfully originating and managing SME loan portfolios, achieving lending targets, and mitigating credit risks
- Strong financial analysis skills, including the ability to evaluate business financial statements, assess credit risk factors, and perform cash flow modelling
- Familiarity with credit underwriting standards, loan structuring techniques, and risk mitigation strategies in the SME lending context
- Excellent communication and interpersonal skills, with the ability to build rapport with clients, understand their needs, and negotiate effectively
- Ability to convey complex financial concepts clearly and concisely, both verbally and in writing
- Strong networking skills and the ability to cultivate relationships with key stakeholders in the SME community, including business owners, industry associations, and referral partners
Other Information:
- Salary: $4,000 to $4,500 monthly
- Working schedule: 5 days work week
Vault Personnel Pte Ltd
EA Licence No: 20C0275
Tan Li Yen
Registration Number: R23115268