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JOB PURPOSE
Assist Head of Department in credit acquisition for corporate loans/ financings to exceed target as well as managing the team members.
ACCOUNTABILITIES
: 1. Credit Acquisition
- Work with Head of Department and lead the Team Members with a focus on originating deals, wallet sizing and cross-selling on 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
- Ultimate ownership of customer relationship 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 to 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, to guide and advise the ARM of their portfolio management 6. Compliance to Regulatory and Bank's Policies and Procedures
- To comply with regulatory and Bank's internal policies and procedures and provide feedback to ensure better efficiency.
- J15Ensure that client instructions are duly effected by applying all standard checks and controls, 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 to report 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.
