Job Description:
- Prepare detailed financial and market study to assess the market positioning/developments which impact the credit portfolio and make recommendations for suitable changes (product/ process).
- Initiate the Credit Appraisal Memos (CAs) designing the financing packages and structures for existing and new credit clients and the associated terms and conditions.
- Conduct regular accounts follow up to avoid the occurrence of past dues, excess, shortfall or breach of terms and conditions of approved facilities.
- Ensure regular contacts with clients to sort any internal/ departmental issues with immediate action, supporting Corporate Banking Services team to serve clients in the best way, as per approved SLA.
- Ensure maintaining proper regular contact with clients to sort any internal/ departmental issues with immediate action.
- Serve as a focal contact point between the branches, the relevant departments of the bank and the clients to ensure that clients are served in the best way, as per approved SLA.
- Address any deviation of approved package or any risks emerged before conducting the regular annual review
- Cross sell banking products to achieve budget & business objectives of the team and bank
- Analyze credit data and financial statements on a periodical basis to determine the degree of risk involved in a corporate's extended debt.
- Ensure Follow up utilization of the accounts to ensure attaining an acceptable utilization level.
Qualifications & Experience:
- Bachelor's degree in accounting, Business Administration, Statistics, Economics, Banking, Finance and Investment.
- For the RM: 3 6 years banking experience with knowledge of corporate business lines and proven record for and profitability.
- For the Senior RM: 6 9 years banking experience with knowledge of corporate business lines
- Certified in core credit course
Skills:
- Intellectual and analytical skills of a high order.
- Persuasion, negotiation and presentation skills.
- Proved teamwork skills & committed to the team's success.
- Very Good English language
- Strong Communication skills
- Accuracy in executing work processes.
- Excellent command of PC skills especially (MS Office) package.
