Job Description

JOB DESCRIPTION

• Acquire new customers & deepen relationships with existing customers.
• To identify / assess customer needs and market products & services of the bank to corporate customers who fall within the Bank\xe2\x80\x99s Business Strategies and Risk Acceptance Criteria. Active cross sell to meet set annual targets.
• To prepare credit proposals and memorandums with thorough analysis / documentation of client\xe2\x80\x99s credit standing, while ensuring risk and compliance criteria are met. Regular credit review to proactively monitor credit quality and implement appropriate strategies to actively management the credit.
• Client servicing, so as to meet customer service standards set by the department & to achieve good customer satisfaction.

KEY ACCOUNTABILITIES Business and Client Management

• Solicit & develop new relationships, deepen existing relationships with customers in portfolio comprising commodity, trade, tech corporates. Marketing of bank\xe2\x80\x99s products and services viz trade finance, loans, treasury products, liquidity management.
• Solicitation of new term deposits.
• Manage relationships with customers by ensuring good service and maximize utilization of approved credit limits to generate branch revenue. Ensure the bank receives adequate ancillary business from corporate customers.
• Regular calls to understand customers\xe2\x80\x99 requirements, to recommend effective solutions and improve business performance.
• Respond to and resolve enquiries and problems and provide effective customer service.
• Maintain good relationships with existing banks and financial institutions by ensuring consistent business follow-up, and smooth coordination on secondary trade finance transactions.
• Coordinate with banks and financial institutions in trade finance transactions.

Risk Management

• Perform credit / risk assessment of borrowers and prepare credit proposals for submission to approving authorities. Renewals and adjustment of credit facilities granted to customers.
• Conduct due diligence on transactions \xe2\x80\x93 including counterparties, market price, shipment, etc.
• Periodically monitor documentation and collateral positions of accounts to ensure adherence to the Bank\xe2\x80\x99s risk and compliance requirements.
• Closely monitor borrower activities (trade volume/ ancillary business etc.) to prevent and minimize undue risk of unusual or suspicious activities.
• Ensure awareness and understanding of KYC / AML compliance requirements, and keep up to date on local regulatory requirements, to ensure we stay vigilant and are quick to identify anomalies.

Process Management

• Compiling necessary documentation formalities required to establish account / extend facilities.
• Ensure effective internal and external audits, with special adherence to compliance and regulatory standards.
• Prepare credit memos, internal business reports, client proposals with accuracy, in a well organized manner and supported by sufficient depth of analysis and synthesized insights and recommendations
• Coordinate day-to-day transactions with Trade Ops and Branch Ops to ensure good customer service.
  

QUALIFICATIONS AND EXPERIENCE

Minimum qualifications:

• Bachelor in Banking or Finance

Minimum experience:

• 5 - 8 years of related experience

Required skillset:

• Strong knowledge of trade finance, bank processes and procedures
• Knowledge of market and industry
• Awareness of latest technology trends, banking support systems and operational software
• Good knowledge of finance and strong credit analytical skills.
• Demonstrate an understanding of the client\xe2\x80\x99s business needs as well as an ability to generate solutions and procure support from product group