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Job Purpose
Assist Head of Department in credit acquisition of corporate loans to exceed target as well as managing the team members.
Accountabilities
Credit Acquisition
• Lead the Team Members with a focus on originating deals, exceeding clients expectations and overall growth.
• Work within the confines of the Risk Management framework.
Account Profitability
• Maximize earnings potential and revenue of relationships
• Review and monitor revenue performance
• Multiple products sold to clients
Client Relationship Management
• Support, identify, solicit and establish a high value client base for the bank
• Ultimate ownership of customer relationship and customer interface
• Activate opportunities and risk criteria.
• Manage proactively a portfolio of corporate accounts by monitoring the status and credit risk of each account
• Internal coordination/liaison with service delivery centers / HQ departments to maximize process efficiency and customer satisfaction
Service Management
• Ensure promptness and quality of credit processing
• Monitor overdue accounts and undertake prompt measures to prevent deterioration to NPL.
• Provide customer level information to relevant parties within the Bank
• Facilitate the drawdown of facilities.
Staff Development
• Mentor and coach to the Credit Analyst (CA)
• Identify training needs and recommend CA for development training.
• When and where necessary, to guide and advise the CA of his portfolio management
Compliance to Regulatory and Bank's Policies and Procedures
• To comply with regulatory and Bank’s internal policies and procedures and provide feedback to ensure better efficiency
• Ensure that client instructions are duly effected by applying all standard checks and controls, coordinating with other departments including Operations/Finance/ Compliance
• Accurately assess the risk profile, suitability and appropriateness of clients when marketing products and services by maintaining an accurate and up to date call report
• To manage the application of AML/CFT internal programs and procedures including proper maintenance of records and to report suspicious transactions.
• Apply regulatory requirements such as KYC, AML/CFT and procedures at all times.
Qualifications and Experience
• Degree in Finance, Accounting or equivalent
• Candidate with professional credit certification such as PCC, CCE, BCP, Chartered Banker will be an added advantage.
• Minimum 3 years of banking experience with majority exposure to corporate banking and credit risk management.