Relationship Manager - Corporate Banking

Your Role

The Relationship Manager for Corporate Banking is responsible for loan packaging, administration, and maintenance of existing corporate and commercial accounts to ensure continuous good quality of outstanding loans and corrective measures are undertaken for deteriorating accounts.

Your Impact

• Acts as liaison officer between the bank and the client to ensure efficient delivery of product and services for the mutual satisfaction of both client and the bank.
• Ensure that risk classification, watch listed and post-mortem reports are property classified for evaluation purposes.
• Evaluates and analyzes data / information submitted related to loan application / renewal of transaction to determine propriety and acceptability to recommend for approval or decline all and any credit transaction involving assigned borrowing clients.
• Solicits prospective loan and deposit accounts to increase business volume by getting names from list of top 1,000 corporations book and / or obtain referral from existing clients.
• Provides support to the implementing unit in handling and monitoring of marketed loan account by coordinating closely with CAS the documentary requirements in order to facilitate implementation of approved transaction.
• Ensures fast, efficient and accurate processing of Applications for Accommodation (AA's) through effective analysis and evaluation of loan proposals
• Undertakes marketing activities including commercial product research and development
• Regular update of interest rates being offered by the Bank to ascertain competitiveness with other commercial banks through periodic survey on prime and non-prime races
• Prepares write-up regarding an account (history, financial highlights, details of business, etc.) to justify proposed facility.
• Recommends the most suitable term loan facilities to clients through proper review and analysis of application and records
• Establishes risk possible or inherent in a prospective / existing account through analysis of the client's / company's management, repayments and collaterals so as to be able to design measures that will mitigate identified risks
• Conducts careful analysis of accounts to minimize bank's loss and increase profit
• Processes requests of clients (Request for extension, request for deduction of interest, waiver of requirements) and adjust facility if possible, to give assistance to clients and for customer service purposes
• Reviews term loan facilities to determine if adjustments or changes are needed to be applied so as to compete with other banks

Your Profile

• Graduate of any 4-Years in Accountancy, Business Administration, Commerce, Banking & Finance or its equivalent
• With 2 - 3 years relevant experience in marketing and relationship management in corporate banking.
• Has experience in loan syndication, real estate lending, managing local large corporate accounts and / or offshore lending Is an advantage.
• Team player who is also able to work independently Excellent interpersonal and communication skills