Key Responsibilities :

• Market corporate loans and ensure market competitiveness by structuring loans to meet the financial goals of the Bank while also aligning with the client's needs.

• Craft custom loan solutions and prepare term sheets tailored to the unique needs of corporate clients while ensuring the Bank's interests are protected.

• Prepare credit proposals, provide analytical support in submissions to the relevant approving authorities and ensure speedy turnaround time. This includes the following: identify pertinent credit related issues and work out viable financing solution for clients, conduct pre-sanction visits & interview loan applicants, handle post-approval work process.

• Ensure all transactions comply with applicable regulatory framework / guidelines and the Group's policies and procedures.

• Monitor existing corporate portfolios and identify early warning triggers for potential credit deterioration.

• Close monitoring of loan covenants and approval conditions to prevent breaches.

• Develop and originate new borrowing relationships which involve in-depth understanding of the clients (Know Your Customer) and negotiation on key issues including but not limited to facility structure, pricing, security arrangement, covenants and terms and conditions.

• Liaise closely with Credit Support & Administration and Group Legal to ensure timely issuance of Letter of Offer.

• Closely follow up on covenants, terms and conditions imposed by approving authority to ensure compliance and closure.

• Ensure timely submission of annual review.

• Ensure facilities are well utilized and account is well conducted.

• Conduct regular channel checks on client's reputation in the market.

• Conduct regular marketing calls on existing clients for purpose of annual reviews, soliciting for credit and transaction banking opportunities, early risk identification, as the case may be.

• Handling ad-hoc assignments as and when tasked by management.

Key Requirements :

• Minimum 3 to 5 years of non-retail banking experience in a regional financial institution.

• In-depth knowledge of loan products (loans, trade finance, treasury and project finance).

• Well-verse with relevant regulations, compliance standards, market conditions and industry trends.

• Effective negotiation, presentation and communication skills to articulate credit proposals and engage with internal/external stakeholders.

• Has strong business connections to identify and develop business opportunities.

Wholesale Banking Coverage – Relationship Manager