ROLE: Relationship Manager-Corporate Banking<\/p>\n
Department:\u00a0Corporate Banking
\nReports to:\u00a0Head of Corporate Banking
\nSummary of Responsibilities:<\/p>\n
To directly manage a relationship covering a portfolio of corporate banking customers.
\nTo personally manage customer relationship and sustain corporate banking customer portfolio, build long term relationships founded on efficient and reliable support for their business.
\nResponsible for business development both with new customers and with existing while managing reputation risk for the bank.<\/p>\n
Scope of Duties:<\/p>\n
Business Development<\/p>\n
Maintains and grows a profitable book of business through disciplined and proactive business development and relationship management.
\nHighly focused on target client profile; understands their financial needs and effectively communicates our value proposition.
\nDevelops an in-depth knowledge of Bank products and services to clients, communicate all key messages to clients.
\nAnalyzes the needs of clients and prospects in order to effectively recommend appropriate products or services and conduct interim reviews for both borrowing and non-borrowing customers.
\nAttains established Bank production goals through active participation in sales management process.
\nMonitor levels of complaints and quality handling of the portfolio.
\nParticipates in community events and networking activities to increase awareness and presence of the Bank in the community.
\nFormulate business development strategies and objectives for the industry\/segment to meet changing market needs.
\nEffectively identifies key risk factors associated with business opportunities and clearly articulates a thorough credit recommendation.
\nPrepares credit presentations and participate in the underwriting and credit approval process.
\nStructures, underwrites and obtains credit approval, negotiates terms, and effectively documents credit actions and agreements.
\nEnsures that all loans are documented completely, and that any documentation or loan policy exceptions are addressed and resolved.
\nTakes ownership for client relationship with the Bank.
\nPrioritizes relationships effectively, and has an appropriate relationship management plan for each customer.
\nTakes a consultative approach to understanding our client\u2019s objectives, effectively identifies their financial needs, implements appropriate financial solutions, and undertakes ongoing review and assessment to ensure plan execution.
\nEffectively collaborates with client service team, product team and senior management to ensure an excellent client experience.
\nAnticipates client needs.
\nUnderstands and addresses key relationship stakeholders, and key buying influences.
\nMaintains a working knowledge of bank operating policies and procedures which impact commercial relationships<\/p>\n
Portfolio management<\/p>\n
Accountable for overall portfolio management, compliance and risk.
\nMonitors direct and operating exposures of portfolio to ensure actual performance is consistent with approved limits and loan structures\u2014and consistent with the understanding or expectations that informed our credit approval.
\nCompletes accurate and timely credit actions, including periodic reviews, renewals and modifications.<\/p>\n
Technical Know How:<\/p>\n
Knowledge of all relevant banking policies, processes, procedures, prudential guidelines and guidance to consistently achieve required compliance standards or benchmarks.
\nInterpret, analyze and evaluate data received from multiple sources of information
\nEffective oral and written communication skills with the ability to listen effectively to the issues of customers and employees.
\nAbility to deal with difficult problems involving multiple facets and variables in non-standardized situations.
\nEffective organizational and time management skills.
\nAbility to effectively utilize computer technology. Proficiency in Microsoft Office Suite programs
\nMust be a self-starter, and have the ability to take ownership of high profile relationships with minimal supervision while effectively communicating with senior management.
\nNegotiates terms and conditions of approvals within assigned parameters.<\/p>\n
Professional skills & Experience:<\/p>\n
A University degree in Commerce, Finance, or Equivalent combination of education and relevant work experience may be considered.
\n3-5 years of experience managing high value private or commercial banking relationships, and developing, structuring, underwriting, and negotiating, complex credit transactions.<\/p>\n
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