Account Manager-Business Banking

Manage a set of existing Small Enterprise (SE) relationships and originate new SE relationships in business communities to achieve assigned financial and non financial objectives by meeting all borrowing & non borrowing needs of customers. Actively source new-to-bank customers and generate new business from walk in customers. Focus on relationship management, up selling, deep selling, and cross selling other bank products. Responsible for quality and soundness of assigned SE portfolio (KYC reviews, monitoring for due diligence, anti money laundering procedures, etc.).

• Improve share of wallet & target to be primary bank for each of the relationships in the assigned portfolio. Enhance relationship revenue from existing portfolio of borrowing & non borrowing accounts by cross selling complete range of banking products.
• Assume complete ownership of customer relationship management for the assigned portfolio of accounts. Provide superior customer service.
• Conduct annual/periodic credit facility reviews in the existing portfolio in a timely manner and recommend appropriate credit facilities in line with the bank's credit policy to maximise earnings while containing risks to an acceptable level and identifying candidates for downgrades/upgrades.
• Follow up and monitor assigned relationships to ensure satisfactory account conduct and early rectification of various credit related issues.
• Implement and maintain complete control aspects (documentation, periodical client visits / call reports, stock inspections and formal credit checks / informal market feedback) to monitor the assigned portfolio effectively.
• Maintain acceptable portfolio quality.
• Screen the market for NTB opportunities.
• Liaise between internal and external advisors to ensure precision of agreements.
• Liaise with superiors and direct reports within the business units, Risk Management and related enabler units within the bank to achieve business objectives.
• Achieve assigned financial and non financial targets.
• Adhere to all compliance & regulatory policies with regards to KYC/AML etc as set out by the bank from time to time.
• Update branch manager and regional SE manager on regular / weekly for better controls on sales and relationship management.
• Banking sales & service experience with proven relationship management qualities.
• Requires advanced vocational know how of the subject matter (credit, trade, operating system, etc).
• Excellent communication and negotiation skills.
• At least 3 years + relevant banking experience in local or international market.
• MBA/CA or a regular graduate with adequate relevant experience.
• Positive attitude, strong work ethic and a good team player.

Seniority level

Mid Senior level

Employment type

Full time

Job function

Sales and Business Development - Banking