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Job responsibilities
- Acquire new account relationships.
- Manage a portfolio of existing Commercial Banking Account relationship in order to grow both funded income and non-funded income.
- Manage a portfolio of accounts in order to provide value - added banking advice and customized financial solutions in order to optimize revenue generation from the portfolio.
- Write credit applications for new account acquisition and ensure timely review and renewal of existing accounts.
- Ensure acceptable asset quality of existing portfolio by being pro-active and up-to-date in terms of market intelligence in relation to accounts and industry of portfolio managed.
- Work closely with product partners including Trade Services, Global Markets, and Deposit & Liability Management in order to meet financial and banking requirements of clients in a wholesome manner.
- Ensure that banking facilities offered to clients are structured in compliance with credit lending policies.
- Ensure that key risks of cases are adequately addressed by in CAs before submission to Wholesale Credit
- To preserve the assets quality of the bank at all times
- To monitor and encourage utilization of existing facilities under the portfolio in order to increase revenue.
- Close follow through with clients on to ensure acceptance of the Bank's facilities and subsequent drawdown.
1. Account Prospecting
- Identifying and contacting prospects
- Evaluating prospects financing needs
- Assessing and putting up Credit Applications to Wholesale Credit
- Preparing and following up of acceptance of offer
2. Account Management
- Monitoring utilization
- Processing ad-hoc requests
- Processing requests for additional facilities
- Reviewing annually or periodically borrower's facilities
- Keep in contact with Customers e.g. through site visitations etc
- Exploring cross-selling opportunities
3.Others
- Meeting business targets set via KRA
- Submitting timely management reports to HO
- Providing hands-on training and guidance to subordinates (if any)
Requirements
- At least 2-3 years experience in commercial loan/sales
- Degree in Finance / Economics or equivalent
- Credit writing skills (added advantage)
