About the job
Key Responsibilities:
- Perform thorough credit analysis by evaluating audited financial statements and formulating comprehensive Credit Proposals.
- Facilitate onboarding and provide monitoring support for the acquisition and management of Discretionary Lending customer portfolios, collaborating closely with assigned Relationship Managers.
- Ensure precision in financial spreading and qualitative analysis while meeting established turnaround times for credit proposals.
- Oversee the follow-up on the origination and execution of customer transactions.
- Adhere to relevant departmental policies, processes, and standard operating procedures to ensure consistent and controlled work practices.
- Uphold the organization’s values and ethics, actively contributing to fostering a value-driven culture within the bank.
- Engage in identifying opportunities for continual improvement and sustainability of systems, processes, and practices, emphasizing global standards, productivity enhancement, and cost reduction.
- Assist in the prompt preparation of accurate statements and reports to align with departmental requirements and quality benchmarks.
Job Context:
- Support Relationship Managers with the administrative tasks related to the client portfolio, ensuring that all documentation and client files comply with the bank’s policies and procedures.
- Extract and assess financial statements, cash flow projections, and other intricate financial reports to deliver precise evaluations and recommendations for credit submissions, highlighting key risks and mitigation strategies.
- Stay vigilant for cross-sell opportunities by assessing client needs, fostering strong customer relationships, and referring clients to appropriate specialists (Trade Finance, Cash Management, and Treasury) for additional product offerings.
- Deliver outstanding client service by addressing client inquiries promptly and professionally, adhering to established service standards.
- Contribute to enhancing customer service and satisfaction outcomes for the assigned portfolios.
- Welcome and guide clients on the bank’s products and services.
- Execute relevant financial transactions for clients in accordance with service quality standards and bank policies.
- Assess acceptable levels of lending risk in line with the bank’s risk appetite statement to optimize profitability from transactions.
- Ensure high data quality standards by maintaining accurate information in the bank’s systems and documentation in a timely manner.
- Educate clients on various access channels (e.g., Corporate Internet Banking, Phone Banking) to enhance their understanding of available options.