Job Description

Overview

Our client, a leading financial services provider, is seeking an experienced

SME Loan Relationship Manager

to drive business growth through broker networks and direct SME engagements. The ideal candidate will have a proven background in SME lending and strong relationship management skills, with the ability to provide financing solutions that support small and medium enterprises in their growth journey.

Key Responsibilities

Proactively develop and maintain long-term relationships with loan brokers, business agents, and referral partners. Drive consistent and quality business referrals through effective engagement, trust-building, and collaboration. Serve as the primary liaison for referred SME clients, understanding their financing needs and recommending suitable solutions. Provide responsive and professional client service by addressing inquiries and concerns promptly. Identify and pursue new lending opportunities via broker networks and strategic partnerships. Conduct preliminary evaluations of SME clients' financial health, business viability, and creditworthiness. Prepare initial assessments before submission to the Credit team for review and approval. Structure and negotiate loan terms in line with internal policies and regulatory guidelines. Manage a portfolio of SME loan clients, ensuring proper monitoring of repayment schedules and performance. Collaborate with the Collections Manager on overdue accounts and support recovery actions when needed. Monitor early warning signs of credit risks and take preemptive measures to mitigate defaults. Guide clients through the loan application process, ensuring accurate documentation and compliance. Support clients through the full loan cycle--from initial inquiry to disbursement and post-loan servicing. Provide basic financial advisory to clients on cash flow, working capital, and sustainable growth strategies.

Requirements

At least 4 years of experience in commercial banking, SME lending, or relationship management. Demonstrated track record in SME lending, financial sales, or business development within the banking/finance sector. Established network of brokers, agents, and SME clients is highly advantageous. Strong knowledge of SME financial statements, business operations, and credit principles. Excellent interpersonal, negotiation, and communication skills. Self-driven, resourceful, and results-oriented, with the ability to work independently. * Familiarity with Singapore's financial regulatory framework and lending practices.