Wholesale Banking Coverage – Relationship Manager

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.