JOB REQUIREMENTS:

• Minimum 4 years’ experience in commercial banking, SME lending, or relationship management for SME clients.
• Proven experience in SME lending, financial sales, or business development in the banking or finance industry.
• Strong network of brokers, agents, and SME clients is highly preferred.
• Solid understanding of SME financial statements, business operations, and credit principles.
• Excellent interpersonal, negotiation, and communication skills.
• Self-driven, resourceful, and results-oriented with the ability to work independently.
• Familiarity with Singapore’s financial regulatory framework and lending practices.

• Proactively develop and maintain strong, long-term relationships with loan brokers, business agents, and referral partners.
• Drive consistent and quality business referrals through effective engagement, trust-building, and professional collaboration.
• Act as the main liaison for referred SME clients, understanding their financing needs and offering appropriate solutions.
• Provide exceptional service by addressing client inquiries and concerns in a timely and professional manner.
• Identify and pursue new lending opportunities through broker networks and strategic partnerships.
• Perform initial evaluation of SME clients’ financial health, business viability, and credit standing.
• Prepare preliminary assessments before submission to the Credit team for formal review and approval.
• Structure and negotiate loan terms in alignment with internal policies and regulatory guidelines.
• Maintain a portfolio of SME loan clients, ensuring accurate monitoring of payment schedules and repayment behavior.
• Coordinate with the Collections Manager to follow up on overdue payments and assist in implementing recovery actions.
• Stay vigilant on early signs of credit risks and take preemptive measures to mitigate defaults.
• Assist clients in completing loan applications and compiling the necessary documentation for submission.
• Guide clients through the end-to-end loan process, from initial inquiry to disbursement and post-loan servicing.
• Offer basic financial advisory to help clients manage cash flow, working capital, and sustainable growth strategies.