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Relationship Officer – Chinese Desk (Mandarin Speaking)

JOB PURPOSE

The Relationship Officer will assist Relationship Managers to manage portfolio for Chinese owned businesses with the aim to maximize profitability of overall portfolio by identifying and providing financial solutions. The role will provide support to the sales force by assisting the Relationship Managers to conduct credit reviews, risk evaluation, monitoring and control of designated RM portfolio to ensure that the department maintains quality loan Book. The Relationship Officer will also be responsible for all audit and compliances issues within the department.

KEY RESPONSIBILTIES

Sales & Business Development support

Maintain Quality Loan Book

Credit administration & audit

Portfolio monitoring & control

Customer Experience

Personal leadership and development

Sales & Business Development Support:

Work with the Relationship Managers to grow the chinses business through product volume, new client acquisition and increase the number of products held per client.

Develop and implement client strategies in conjunction with product partners and relevant parties to identify the right product and service opportunities.

Cultivate existing relationship, understand and anticipate Chinese clients’ needs as well as identify incremental sales opportunities.

Visit and assess possible needs for the client or cross selling opportunities and provision of financial solutions and ensure value chain maximization; prepare & attach a call report for the client .i.e. post visit analysis of the client.

Assist the Relationship Manager(s) in handling the administrative part of managing Chinese client relationships.

Maintain product knowledge and work closely with product team in crafting tailor–made solutions according to customer’s needs.

Obtain all account opening and required documentation from the customers in order to support all customer transactions and applications.

Act as backup for Relationship Managers during their absence (Client and business query resolutions).

Support in Hit Lists maintenance of potential clients in the relevant sector as well as sanitization of the hit lists in liaison with the relevant stakeholders.

Wallet Sizing – review positions with existing clients/institutions with an aim of cross selling and mining all potential available business.

Participate in sales planning initiatives and design appropriate relationship plans to generate new business throughout marketing calls, promotions and presentations.

Maintain Quality Loan Book:

Obtain all the necessary documents for a thorough analysis of a facility request as per the bank’s lending manual & credit policy.

Comprehensively analyze the account statistics for the last one year and ensure the credit proposals have been well analyzed and presented by liaising with Credit team and product technical teams.

In liaison with the potential/existing corporate client and RMs, do customer visits prior to completing the Loan application.

Respond as appropriate to the actionable points based on the analysis of the account plans.

Present the completed loan application to the Credit Committee and obtain its’ approval/decline.

Monitor the progress on perfection of securities and ensure that the perfection of securities has been done correctly; the correct amounts have been charged, where necessary, the property has been insured against all perils for the full amount and the Bank’s interest in noted in the insurance documents.

Confirm that all the conditions have been met by the client and complete the compliance certificate.

Focus on portfolio growth in assets and liabilities and cross selling of other Bank’s products.

Advise the customer on the status of their credit applications via an appropriate letter of offer/letter of reject.

Credit Administration and Audit:

Follow through of the credit application from the proposal stage to disbursement.

Follow up on closing of outstanding covenants and advise the credit analysts appropriately.

Ensuring the portfolio under management remains of good quality and as per the bank`s credit policy.

Daily verifying that each client under the portfolio is within the limit/no arrears positions and there are no signs of development of ‘hardcore’ position in case of overdrafts. Ensure pre-approval of excesses is obtained.

Promptly advice the Remedial Credit Unit clients that require their attention before the position gets from bad to worse.

Monitor to ensure correct interest rates are marked to avoid income leakage.

Keep abreast with the developments in the international markets, banking industry in general and particularly the industry/sector in which each of the clients operates and relate it to the client’s business.

Obtain status reports on the client, directors, guarantors if any, suppliers etc.

Make regular customer visits and ascertain the level of activities, stocks, etc.

Obtain and analyse annual/management reports on annual/quarterly basis

Strict adherence to all regulations, statutes, standards, practices and all internal processes and procedures as per the relevant manuals and comply with all relevant external legislation and regulations with regard to Compliance requirements.

Portfolio Monitoring and Control:

Effectively and efficiently manage the Department Credit Administration (PAR, Excess, and Collateral).

Interrogation of the account plans to ensure all leads identified are closed.

Attend and participate in the daily morning huddle for the team to drive business and focus on opportunity

Follow up and coordinate with analysts on all facility requests and all other department request presented to them for approval.

Monitoring of the Departmental loans PAR to maintain a low PAR of not more than 3% on a weekly trend

Prepare and give response on Corporate PAR on behalf of the Department for Early Alert Meetings.

Ensure clients are advised on renewal of overdraft limit expiry dates to ensure timely review of overdraft limits at least 3 months prior to expiry.

Ensure all Fees and Commission are recovered and correct interest rates are maintained to avoid income leakage

Ensure offer letters and all security documents are obtained and correct.

Ensure there is proper filing and documentation on the credit files.

Preparation of response to audit report, in charge of department audit review and implementation to ensure the department maintains a rate not lower than satisfactory.

Managing the portfolio in compliance to Bank’s policies on KYC, AML and prudential guidelines.

Ensure the covenants highlighted in approval conditions are adhered to consistently.

Strict adherence to all regulations, statutes, standards, practices and all internal processes and procedures as per the relevant manuals and comply with all relevant external legislation and regulations with regard to Compliance requirements.

Ensure that as a staff you actively contribute to the department/division attaining a “Satisfactory” rating in both

• Work with the Relationship Managers to grow the chinses business through product volume, new client acquisition and increase the number of products held per client.
• Develop and implement client strategies in conjunction with product partners and relevant parties to identify the right product and service opportunities.
• Cultivate existing relationship, understand and anticipate Chinese clients’ needs as well as identify incremental sales opportunities.
• Visit and assess possible needs for the client or cross selling opportunities and provision of financial solutions and ensure value chain maximization; prepare & attach a call report for the client .i.e. post visit analysis of the client.
• Assist the Relationship Manager(s) in handling the administrative part of managing Chinese client relationships.
• Maintain product knowledge and work closely with product team in crafting tailor–made solutions according to customer’s needs.
• Obtain all account opening and required documentation from the customers in order to support all customer transactions and applications.
• Act as backup for Relationship Managers during their absence (Client and business query resolutions).
• Support in Hit Lists maintenance of potential clients in the relevant sector as well as sanitization of the hit lists in liaison with the relevant stakeholders.
• Wallet Sizing – review positions with existing clients/institutions with an aim of cross selling and mining all potential available business.
• Participate in sales planning initiatives and design appropriate relationship plans to generate new business throughout marketing calls, promotions and presentations.
• Obtain all the necessary documents for a thorough analysis of a facility request as per the bank’s lending manual & credit policy.
• Comprehensively analyze the account statistics for the last one year and ensure the credit proposals have been well analyzed and presented by liaising with Credit team and product technical teams.
• In liaison with the potential/existing corporate client and RMs, do customer visits prior to completing the Loan application.
• Respond as appropriate to the actionable points based on the analysis of the account plans.
• Present the completed loan application to the Credit Committee and obtain its’ approval/decline.
• Monitor the progress on perfection of securities and ensure that the perfection of securities has been done correctly; the correct amounts have been charged, where necessary, the property has been insured against all perils for the full amount and the Bank’s interest in noted in the insurance documents.
• Confirm that all the conditions have been met by the client and complete the compliance certificate.
• Focus on portfolio growth in assets and liabilities and cross selling of other Bank’s products.
• Advise the customer on the status of their credit applications via an appropriate letter of offer/letter of reject.
• Follow through of the credit application from the proposal stage to disbursement.
• Follow up on closing of outstanding covenants and advise the credit analysts appropriately.
• Ensuring the portfolio under management remains of good quality and as per the bank`s credit policy.
• Daily verifying that each client under the portfolio is within the limit/no arrears positions and there are no signs of development of ‘hardcore’ position in case of overdrafts. Ensure pre-approval of excesses is obtained.
• Promptly advice the Remedial Credit Unit clients that require their attention before the position gets from bad to worse.
• Monitor to ensure correct interest rates are marked to avoid income leakage.
• Keep abreast with the developments in the international markets, banking industry in general and particularly the industry/sector in which each of the clients operates and relate it to the client’s business.
• Obtain status reports on the client, directors, guarantors if any, suppliers etc.
• Make regular customer visits and ascertain the level of activities, stocks, etc.
• Obtain and analyse annual/management reports on annual/quarterly basis
• Strict adherence to all regulations, statutes, standards, practices and all internal processes and procedures as per the relevant manuals and comply with all relevant external legislation and regulations with regard to Compliance requirements.
• Effectively and efficiently manage the Department Credit Administration (PAR, Excess, and Collateral).
• Interrogation of the account plans to ensure all leads identified are closed.
• Attend and participate in the daily morning huddle for the team to drive business and focus on opportunity
• Follow up and coordinate with analysts on all facility requests and all other department request presented to them for approval.
• Monitoring of the Departmental loans PAR to maintain a low PAR of not more than 3% on a weekly trend
• Prepare and give response on Corporate PAR on behalf of the Department for Early Alert Meetings.
• Ensure clients are advised on renewal of overdraft limit expiry dates to ensure timely review of overdraft limits at least 3 months prior to expiry.
• Ensure all Fees and Commission are recovered and correct interest rates are maintained to avoid income leakage
• Ensure offer letters and all security documents are obtained and correct.
• Ensure there is proper filing and documentation on the credit files.
• Preparation of response to audit report, in charge of department audit review and implementation to ensure the department maintains a rate not lower than satisfactory.
• Managing the portfolio in compliance to Bank’s policies on KYC, AML and prudential guidelines.
• Ensure the covenants highlighted in approval conditions are adhered to consistently.
• Strict adherence to all regulations, statutes, standards, practices and all internal processes and procedures as per the relevant manuals and comply with all relevant external legislation and regulations with regard to Compliance requirements.
• Ensure that as a staff you actively contribute to the department/division attaining a “Satisfactory” rating in both

• BA/BSc/HND , Diploma