Wholesale Banking Coverage – Relationship Manager

Primary Responsibilities:

• Promote corporate loan offerings and maintain market competitiveness by structuring loans that fulfill the financial objectives of the Bank while also addressing client requirements.

• Develop tailored loan solutions and formulate term sheets specifically designed for the distinct needs of corporate clients, ensuring the protection of the Bank's interests.

• Create credit proposals and provide analytical assistance for submissions to the relevant approving authorities, ensuring a swift turnaround time. This includes identifying critical credit-related issues, devising feasible financing solutions for clients, conducting pre-sanction visits and interviews with loan applicants, and managing post-approval processes.

• Guarantee that all transactions adhere to the applicable regulatory framework and the Group's policies and procedures.

• Oversee existing corporate portfolios and recognize early warning signals for potential credit decline.

• Monitor loan covenants and approval conditions closely to avert any breaches.

• Establish and cultivate new borrowing relationships that necessitate a thorough understanding of the clients (Know Your Customer) and involve negotiation on crucial aspects such as facility structure, pricing, security arrangements, covenants, and terms and conditions.

• Collaborate closely with Credit Support & Administration and Group Legal to ensure the prompt issuance of the Letter of Offer.

• Diligently follow up on covenants, terms, and conditions set by the approving authority to ensure compliance and closure.

• Guarantee the timely submission of annual reviews.

• Ensure that facilities are utilized effectively and that accounts are managed appropriately.

• Conduct regular reputation checks on clients within the market.

• Perform regular marketing outreach to existing clients for the purpose of annual reviews, seeking credit and transaction banking opportunities, and identifying risks early when necessary.

• Handle ad-hoc assignments as directed by management.

Essential Requirements:

• A minimum of 3 to 5 years of non-retail banking experience within a regional financial institution.

• Extensive knowledge of loan products including loans, trade finance, treasury, and project finance.

• Proficient understanding of relevant regulations, compliance standards, market conditions, and industry trends.

• Strong negotiation, presentation, and communication skills to effectively articulate credit proposals and engage with both internal and external stakeholders.

• Possesses robust business connections to identify and nurture business opportunities.