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Job Purpose
Assist HOD in credit acquisition of corporate loans/ financings to exceed targets as well as managing the team members.
Job Accountabilities
CREDIT ACQUISITION
Work with HOD and lead the Team Members with a focus on originating deals, wallet sizing, and cross-selling on an 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.
The ultimate ownership of customer relationships 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 of NPL.
Provide customer-level information to relevant parties within the Bank.
Facilitate the drawdown of facilities.
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, guide and advise the ARM on their portfolio management.
COMPLIANCE WITH REGULATORY AND BANK POLICIES AND PROCEDURES
To comply with regulations 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 and 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 reporting 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
Degree in Finance, Accounting, or equivalent.
Candidates with professional credit certifications such as PCC, CCE, BCP, and Chartered Banker will be an added advantage.
Minimum 6 years of banking experience with majority exposure to corporate banking and credit risk management.
