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Job Purpose

Assist Head, Corporate in credit acquisition of corporate loans to exceed target as well as managing the team members.

Accountabilities

Credit Acquisition

Lead the Team Members with a focus on originating deals, exceeding clients expectations and overall growth.
Work within the confines of the Risk Management framework.

Account Profitability

Maximize earnings potential and revenue of relationships
Review and monitor revenue performance
Multiple products sold to clients

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

Service Management

Ensure promptness and quality of credit processing
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.

Staff Development

Mentor and coach to the Credit Analyst (CA)
Identify training needs and recommend CA for development training.
When and where necessary, to guide and advise the CA of his portfolio management

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
Ensure 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

Additional Responsibilities

Undertake additional responsibilities e.g. working committees etc. assigned by the immediate superior when required.

Qualifications And Experience

Degree in Finance, Accounting or equivalent
Candidate with professional credit certification such as PCC, CCE, BCP, Chartered Banker will be an added advantage.
Minimum 3 years of banking experience with majority exposure to corporate banking and credit risk management.

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