The Role Responsibilities
Origination
Ensure quality of client acquisition, identify prospect and convert in line with Bank’s appetite and Commercial Banking’s strategy
Leverage on SCB’s unique network and full franchise across Africa and China to capture more Chinese investors into Africa and facilitate the expansion of these investments across Africa
Ensure quality of the sales pitch and lead them with the clients
Work with Credit Analyst and obtain all pre-deal clearances.
Manage a healthy pipeline and also a record of client calls and discussions
Oversee ARM to ensure smooth on-boarding of client after thorough completion of documentation and other processes.
Senior client calling and briefing on a regular basis for account maintenance and deal negotiation. Also engage senior internal stakeholders for marketing, credit and any other pertinent issues.
Client on-boarding & deal execution
Work with Customer Due Diligence team to ensure proper completion of due diligence requirements.
Work closely with CA, product partners, and analyze a) wallet size b) determine appropriateness of the product and c) work out a comprehensive account plan from a one-bank perspective
Successfully negotiate and close out pricing and other deal dynamics with client
Oversee the quality & turnaround of credit proposal and ensure faster delivery. Work with CA for resolving Credit queries.
Oversee the ARM to ensure all documentation and security creation are completed on time to ensure smooth execution of transaction.
Liaising with Legal/external counsel in preparation and execution of non standard complex transactions along with product partners.
Account Management & portfolio quality
Work close with product team in delivering cash management solutions and migrating clients to digital channels
Oversee the service quality and turnaround of service requests from clients and ensure faster delivery
Along with the product partner, push for line utilization of complex and structured transactions. Oversee the ARM in ensuring high utilization of regular facilities.
Work with the CA and ARM to ensure discipline and quality in portfolio against timeline
Review and monitor the client profitability to ensure there are no revenue leakages.
Work close with CA and ARM to make sure the credit files are complete and up to date
Attend various internal or external sales/ non sales meetings and convene the consortium meetings where we are the lead bank
Overall responsible and accountable for the credit quality of the assigned/acquired portfolio.
Ensure you remain alert to the risk of money laundering and assist in the Bank’ efforts in combating it by adhering to the key principles in relation to: identifying your customer, knowing your customer, reporting suspicions, safeguarding records and not disclosing suspicions to customers.
Provides feedback to management and internal departments regarding customer service quality, product issues, customer complaints etc
Our Ideal Candidate
Business or accounting related degree.
Minimum 5 years working experience in banking as a RM.
Experience in team management preferred
Strong analytic and marketing skills, the ability to interpret complex financial information.
A good understanding of the general, economic, political and business environment of the region.
Excellent communication (written and verbal in both Chinese and English) and negotiation skills.
