About the job

Job Purpose

To assist the Relationship Team in maintaining and housekeeping the portfolio under management, resolving day to day issues and ensuring marketing team’s involvement in operational issues is brought to a minimum. Preparing Credit Proposals (CPs) (new, annual renewals and amendments etc.) and liaising with Wholesale Risk Management (WRM) and the Compliance Unit to resolve all queries related to risk and compliance issues, respectively.

Results Areas

- Act as a backup to the Relationship Manager and mirror the assigned portfolio - Assist the Relationship Management team in maintaining and developing both existing and target Relationships.

- Quick and timely turnaround of CPs while maintaining quality of analysis.

- Monitor borrowing pattern, account conduct of borrowers and provide information at each review, thereby ensuring effective portfolio management and ensuring that the portfolio quality is maintained by highlighting early warning signals.

- Liaise regularly with various departments (e.g. FTC, OPS, Compliance, Credit Ops…etc) within the bank and entertaining requests and enquiries pertaining to transactions and/ or documentation.

- Ensuring all documentation is up to standard and up to date and ensuring that MER issues are kept to a minimum.

- Attend to the Clients enquiries and coordinate with various Service Departments to ensure resolution in a timely manner.

- Assist in preparing industry studies and data collection pertaining to clients’ portfolio within the unit.

- Attend to specific projects / jobs assigned by the Division/Unit Head from time to time.

- Maintain proper records of clients’ communication.

- Housekeeping monthly pipeline report and updating the same on monthly basis.

- Explore and highlight business opportunities in the portfolio.

- To prepare Consolidated Client Positions on regular basis.

- Collate and follow up updating of RB and Bank Checks.

- Competitive, dynamic, volatile and minimally regulated business environment with low entry / exit barriers.

- Operate within well defined and demarcated business areas.

- Effectively liaise with superiors and direct reports within the business unit, Wholesale Risk Management and related support units to achieve business objectives

- Maintain close working relationship with clients to ensure in-depth understanding of business to reduce risks and maximize earnings.

Knowledge, Skills and Experience

- Complete knowledge and clear understanding of the Bank’s credit policy and operating systems

- Strong credit, legal knowledge and marketing skills are mandatory.

- Thorough awareness of various financial product / services.

- Excellent communication and analytical skills with ability to perform as a team player

- Familiarity with core banking systems

- BSc. In Finance/ Accounting with minimum experience of 2 – 4 years

- MBA is a plus