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Assist Head of Department in credit acquisition for corporate loans/ financings to exceed target as well as managing the team members.
Accountabilities
- 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.
- 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.
- 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
- 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.
- 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 affected 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.
- Experience in auditing will be an added advantage
- Candidate with professional credit certification such as PCC, CCE, BCP, Chartered Banker will be an added advantage.
- Minimum 5 years of banking experience with majority exposure to corporate banking and credit risk management.
