Job Details

• To achieve agreed individual financial and non-financial targets by acquiring, growing and retaining profitable Commercial Banking customers within acceptable risk parameters.
• Contribute toward achieving team’s overall target and delivering optimal portfolio return.
• Collaborate and build effective partnerships with other RMs, team leaders, segment heads, as well as colleagues in CDD teams and partners in risk, compliance, other support functions, and product
• Business
• Achieve individual financial and non-financial targets while contributing towards team’s overall deliverables through:
• Effectively generating new business – identify prospects and convert in line with the Bank’s appetite
• Strategically formulating account plan – provide clients needs-based solutions, structure appropriate credit facility, and execute various banking transactions
• Proactively building trusted client relationships – maintain a portfolio of active and growing customers
• Market and sell broad range of products including trade service, cash management, treasury and investment
• Prepare credit proposal and loan application of customers; prepare annual review on timely basis
• Work closely with credit team to ensure good quality lending decisions are made; to ensure the strict adherence to the prevailing EAR / credit policy
• Implement agreed business plan to achieve sales/ revenue targets
• Generate creative ideas on customer acquisition and products/ services
• Regularly feed back to Team Leader and peers on new and anticipated financial and service needs and recommend appropriate improvements to processes on new products
• Maintain a high level of professionalism in client engagement, internal stakeholder management and other business conduct
• Processes
• Drive continuous improvement of the operational efficiency and effectiveness of processes to increase the consistency of systems and processes.
• Support the framework for effective management of operational risks across the Business and compliance with applicable internal policies, and external laws and regulations at a global level.
• Support the execution of Business strategy in a safe and well-controlled manner and on an end-to-end basis – incorporating infrastructure requirements and ensuring that they are fit-for-growth.
• Conduct regular and timely customer due diligence (CDD) reviews
• Ensure CDD profiles are error free for timely sign off
• Follow and comply with AML CDD policies and procedures where applicable
• Identify KYC issues, provide solution or escalate to line manager if necessary
• Ensure internal / external KYC requirements are adhered to AML CDD policies and procedures
• Timely handling of customer issues, complaints, and product enquiries in accordance with established procedures
• People and Talent
• Embed the Group’s values and culture
• Coach peers and more junior staff as appropriate
• Partner effectively with internal stakeholders to deliver effective client solutions
• Risk Management
• Abide by appropriate frameworks to guarantee that business is carried out within the Group’s risk appetite and relevant risks are appropriately managed in conjunction with line managers other stakeholders.
• Ensure that Risk Management matters that are brought to the job holder’s attention are subject to direct remedial action and/or ensure adequate reporting to the relevant superiors and/or Risk Committees.
• Do what is right in order to avoid reputational risks and operational losses
• Governance
• Ensure adherence with the following Regulatory Compliance policies and processes (as is applicable):
• Anti-Money Laundering (AML) and all applicable money laundering prevention procedures
• Client Due Diligence & Related Periodic Reviews
• Treating Customers Fairly
• Approval & review of Credit Applications
• Data Confidentiality
• Cross-Border Policy
• Sanctions
• Environmental and Social Risk Management (ESRM)
• Anti-Bribery and Corruption (ABC)
• Engage with all audit report findings and ensure feedback is acted upon
• Regulatory & Business conduct
• Display exemplary conduct and live by the Group’s Values and Code of Conduct.
• Lead the Business to achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients; Effective Operation of Financial Markets; Financial Crime Prevention; The Right Environment.*
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

• Minimum 4-6 years of relevant experience in serving business/commercial/corporate clients. Experience in servicing international businesses under the cross-border context is a plus
• Excellent financial analysis skills and ability to assess client creditworthiness and key risk considerations / mitigations
• Sound product knowledge on trade, cash, lending and FX and strong understanding of local industries, supply/value chains and market environment
• Knowledge of operational procedures, documentation requirements, banking practices and regulations related to commercial banking
• Firm in all business guidelines and compliance issues
• Sound knowledge of financial markets and investment products
• Outstanding communication and presentation skills

Reference ID - GH/BFSI/JC//15052019//83791/RM - Commercial Banking