Senior Relationship Manager, Trade&Working Capital.RBG - TWC Partially Secured.Retail Banking Group

Job Purpose

Portfolio and Business Development

• Improve share of wallet and make the bank the primary bank for managed relationships.
• Enhance relationship revenue through cross-selling the complete range of bank products.
• Develop the portfolio by soliciting new relationships within defined segments and acceptable risk parameters.
• Provide superior customer service and maintain close client relationships to understand businesses and reduce risks.

Credit and Portfolio Control

• Conduct annual or periodic credit facility reviews and recommend facilities in line with bank credit policy.
• Monitor assigned relationships for satisfactory account conduct and early correction of credit issues.
• Maintain documentation, client visit and call reports, stock inspections, credit checks, and market feedback to protect portfolio quality.

Collaboration and Compliance

• Liaise with internal and external advisors to ensure precision of agreements.
• Develop the on-the-job learning of Assistant Relationship Managers for higher responsibility.
• Coordinate with business units, Risk Management, and related enabling units to achieve business objectives.
• Adhere to the bank's KYC, AML, compliance, and regulatory policies.

Knowledge, Skills and Experience

• Banking sales and service experience with proven relationship management experience is required.
• In-depth awareness of financial products and services is required.
• Strong interpersonal, negotiation, and analytical skills and the ability to work as a team player are required.
• At least five years of relevant experience in the local market is required.
• An MBA, CA, or equivalent qualification is preferred.