Maintain and manage portfolio, build and sustain relationships with existing and new prospective clients as well as represent the Bank in the market.
Manage a portfolio of existing clients and cross-sell of Bank’s products to enhance relationship as per the personal scorecard.
Identify and acquire new prospective clients in order to grow the credit portfolio
Regular monitor and follow-ups on irregular accounts and excess drawings to ensure that the health of the portfolio is maintained
Regular client visits for inspection/relationship maintenance in liaison with the supervisor including conducting periodic review of debenture assets e.g. stocks and submit the call report accordingly.
Provide support to the credit risk team by ensuring submission of relevant information for preparation of credit applications
Follow up on timely submission of executed security documents and offer letter after a credit proposal has been approved
Regular monitoring of compliance with board or management credit committee (BCC/MCC) directives
Ensure the credit approval conditions and covenants are met by clients as per the Bank’s requirements
Ensure compliance to Anti-money laundering (AML) and Know your customer (KYC) to all clients
Ensure turnaround time (TAT) for client’s applications are achieved through monitoring the flow of the process
Develop, update and maintain risk procedures and systems with respect to risk identification, risk assessment, risk monitoring, risk mitigation strategies, and risk reporting
Monitor submission of insurance, valuation reports, and financials for debtors, creditors, and stock list, etc.
Ensure timely submission of call reports and any other reports from time to time
Support the head of business development in preparing and providing inputs for relationship-related budget for board approval
Overall in charge of staff within the department including leave management, performance appraisal, training, coaching and mentoring within department
Perform any other duties as may be assigned by the immediate supervisor from time to time
|Skills:||Communication Skills , Marketing and Sales skills , Analytical skills, Critical thinking , Attention to details, Numerical skills, Team working skills , report writing , financial analyticalskills , knowledge on marketing|
|Ability to:||Work under pressure , Aligns vision, strategy and actions Embraces change Builds self-awareness, trust and respect , Communicates and influences effectively , Approach potential customers to establish relationships|
|Knowledge of:||banking industry|
|Personality:||Hard working , Attention to details , Result oriented. , Inquisitive , Have Empathy|