The Assistant Relationship Manager (ARM) works with allocated Relationship Managers (RMs) to originate, structure and service Mid-SME customers & portfolio. The ARM jointly with RM carries the credit preparation, documentation, portfolio monitoring and customer service load of the paired portfolio. The role is also a primary development pipeline for future Relationship Managers.

Roles & Responsibilities

• Business Origination and Growth
  • Support the paired RM in meeting targets for customer acquisition, deposits, asset growth, fee income and cross-sell.
  • Prospect and qualify leads from branches, referrals, ecosystems and the Bank's partnerships, and maintain an accurate pipeline.
  • Prepare customer meeting packs, proposals and pricing for RM review.
  • Identify cross-sell opportunities across trade finance, treasury, insurance, cash management and digital channels.
• Credit Preparation and Portfolio Management
  • Gather financial statements, KYC and security documents, and prepare credit applications and appraisal memos for RM review, to the Bank's credit standards.
  • Analyse customer financials, including cash flow, DSCR and gearing, and highlight key risks and mitigants.
  • Track facility conditions, covenant compliance, renewals, reviews and security perfection on the paired portfolio.
  • Monitor account conduct, arrears and early-warning triggers daily, and follow up with customers promptly.
  • Support recovery and restructuring actions on stressed accounts with the RM and Credit.
• Customer Service and Operations
  • Serve as the day-to-day contact for customers on queries, disbursement, documentation and account maintenance.
  • Coordinate with Credit, Operations, Legal and Trade teams to meet agreed SLAs.
  • Resolve customer complaints and escalate unresolved issues to the RM and Cluster Manager.
• Branch Collaboration
  • Work with Branch Managers and Relationship Officers to convert branch referrals into Mid-SME business.
  • Provide guidance to branch teams on Mid-SME product requirements and documentation.
• Governance and Compliance
  • Comply with credit policy, KYC/AML, operational risk and data protection requirements.
  • Keep CRM, pipeline and portfolio records accurate and up to date.
  • Submit timely activity and performance reports to the RM and Cluster Manager.
  • Perform any other duties assigned by the Cluster Manager.

Job Specifications

Academic & Professional Qualifications

• Bachelor's degree in a business-related field.
• Progress towards a professional qualification (CPA, ACIB or similar) is an added advantage.

Work experience

• At least 3 years' banking experience, including at least 2 years in credit, SME or commercial banking.
• Demonstrated ability in credit analysis and preparation of credit memos.

Key Competencies and Skills

• Strong financial analysis and credit judgement.
• Attention to detail, with accurate and timely documentation.
• Good communication and customer service skills.
• Planning and organising skills, with the ability to manage multiple deadlines.
• Teamwork, and willingness to learn from and support the paired RM.
• Initiative and ownership of assigned accounts.

• Support the paired RM in meeting targets for customer acquisition, deposits, asset growth, fee income and cross-sell.
• Prospect and qualify leads from branches, referrals, ecosystems and the Bank's partnerships, and maintain an accurate pipeline.
• Prepare customer meeting packs, proposals and pricing for RM review.
• Identify cross-sell opportunities across trade finance, treasury, insurance, cash management and digital channels.
• Gather financial statements, KYC and security documents, and prepare credit applications and appraisal memos for RM review, to the Bank's credit standards.
• Analyse customer financials, including cash flow, DSCR and gearing, and highlight key risks and mitigants.
• Track facility conditions, covenant compliance, renewals, reviews and security perfection on the paired portfolio.
• Monitor account conduct, arrears and early-warning triggers daily, and follow up with customers promptly.
• Support recovery and restructuring actions on stressed accounts with the RM and Credit.
• Serve as the day-to-day contact for customers on queries, disbursement, documentation and account maintenance.
• Coordinate with Credit, Operations, Legal and Trade teams to meet agreed SLAs.
• Resolve customer complaints and escalate unresolved issues to the RM and Cluster Manager.
• Work with Branch Managers and Relationship Officers to convert branch referrals into Mid-SME business.
• Provide guidance to branch teams on Mid-SME product requirements and documentation.
• Comply with credit policy, KYC/AML, operational risk and data protection requirements.
• Keep CRM, pipeline and portfolio records accurate and up to date.
• Submit timely activity and performance reports to the RM and Cluster Manager.
• Perform any other duties assigned by the Cluster Manager.

• Strong financial analysis and credit judgement.
• Attention to detail, with accurate and timely documentation.
• Good communication and customer service skills.
• Planning and organising skills, with the ability to manage multiple deadlines.
• Teamwork, and willingness to learn from and support the paired RM.
• Initiative and ownership of assigned accounts.

• Bachelor's degree in a business-related field.
• Progress towards a professional qualification (CPA, ACIB or similar) is an added advantage.
• At least 3 years' banking experience, including at least 2 years in credit, SME or commercial banking.
• Demonstrated ability in credit analysis and preparation of credit memos.