Functional
- Acquire new-to-bank account relationships.
- Assess and structure credit facilities that best meets the customer’s requirement in compliance with AML credit lending policies, internal policies including regulatory guidelines, and SOPs
- Submit credit applications for customers
- Ensure acceptable asset quality of existing portfolio by being pro-active and up-to-date in terms of market intelligence in relation to accounts and industry of portfolio managed.
- Work closely with product partners including Trade Services, Global Markets, and Deposit & Liability Management.
- Monitor and encourage utilization of facilities and cross-selling of customers his portfolio in order to increase revenue and RORA
1. Account Prospecting
- Identifying and cold calling on prospecting
- Evaluating and structuring of facilities that best meet the client’s requirements
- Assessing and putting up Credit Applications to Wholesale Credit
- Preparing and following up of acceptance of offer
2. Account Management
- Monitoring utilization
- Processing ad-hoc requests
- Processing requests for additional facilities and cross-selling
- Reviewing annually or periodically borrower’s facilities
- Keep in contact with Customers e.g. through site visitations etc
- Exploring cross-selling opportunities
3. Others
- Meeting business targets set via KRA
- Providing hands-on training and guidance to subordinates (if any)
Education/Qualification
- Degree in Finance / Economics or equivalent
Years of Experience
- Minimum 8 years’ experience in commercial loan/sales
