Manager - Business & Corporate Banking (Commercial Banking - Team Lead)
- Sibu, Sarawak
- Permanent
- Full-time
- Acquire new account relationships.
- Manage a portfolio of existing Commercial Banking Account relationship in order to grow both funded income and non–funded income.
- Manage a portfolio of accounts in order to provide value – added banking advice and customized financial solutions in order to optimize revenue generation from the portfolio.
- Write credit applications for new account acquisition and ensure timely review and renewal of existing accounts.
- Ensure acceptable asset quality of existing portfolio by being pro-active and up-todate in terms of market intelligence in relation to accounts and industry of portfolio managed.
- Work closely with product partners including Trade Services, Global Markets, and Deposit & Liability Management in order to meet financial and banking requirements of clients in a wholesome manner.
- Ensure that banking facilities offered to clients are structured in compliance with credit lending policies.
- Ensure that key risks of cases are adequately addressed by in CAs before submission to Wholesale Credit
- To preserve the assets quality of the bank at all times
- To monitor and encourage utilization of existing facilities under the portfolio in order to increase revenue.
- Close follow through with clients on to ensure acceptance of the Bank’s facilities and subsequent drawdown.
- Identifying and contacting prospects
- Evaluating prospects financing needs
- Assessing and putting up Credit Applications to Wholesale Credit
- Preparing and following up of acceptance of offer
- Monitoring utilization
- Processing ad-hoc requests
- Processing requests for additional facilities
- Reviewing annually or periodically borrower’s facilities
- Keep in contact with Customers e.g. through site visitations etc
- Exploring cross-selling opportunities
- Meeting business targets set via KRA
- Submitting timely management reports to HO
- Providing hands-on training and guidance to subordinates (if any)
- To lead, supervise and monitor a team of ARMs in actively marketing for new business clients through referrals (from customers / panel solicitors / branches) and selective cold calls to achieve loans and deposit growth as per KRA requirement.
- To check through the credit applications proposals and credit requests prepared by ARMs prior to submission to BCM/ Regional Head & CED.
- To ensure ARMs are prompt in submitting credit applications reviews to minimize delinquency of accounts.
- To provide training / guidance to new and inexperienced staff and ensure staff from respective departments are adequately trained in their area of work.