Job Purpose
- To provide support to the Relationship Manager in servicing Chinese customers, attending to customer queries, credit origination, providing credit administration support, and identifying customer needs and referring accordingly
- To support the Relationship Manager in meeting sales and service targets within their respective portfolios
Key Responsibilities/Accountabilities
- Provide a 2nd face office-bound point, for a portfolio of Business relationships/clients.
- Perform a liaison role between the Customer, and all other internal support divisions of the Bank.
- Educate clients regarding the parameters and routine procedures governing complex but standard commercial product, solution and service offerings
- Interprets business and financial information e.g. consolidated balance sheets, complex financial statements and management accounts with inter-company loans and borrowings and/or off shore holdings etc, to prepare and motivate non-scored credit applications in line with Credit requirements.
- Completes annual credit reviews for the portfolio.
- Completes all requests of a Credit or Collateral nature on behalf of the client, in consultation with the Manager Relationship.
- Interacts with clients to obtain and analyze financial material, i.e. Debtors lists, Management accounts, cash flow budgets, in terms of agreed covenants
- Monitors daily excesses and authority sought requests to ensure that client facilities are managed within the parameters set by Credit. May exercise discretion (with management approval) regarding account conduct based on a close knowledge and understanding of client activities.
- Ensures that limits are timely renewed
- Accurately and efficiently collating and checking securities documentation and mandates for banking facilities
- Mining i.e. investigating and understanding customer’s portfolio data to identify opportunities for additional facilities.
- Explains, promotes and cross- sell additional value adding solutions to existing customers
- Identifies sales leads, in consultation with the AE
- Compliance with regulations/legislation
- In terms of the Financial Advisory and Intermediary Services Act (FAIS) – provides complete disclosure to customers in terms of accreditation and pricing.
- Required to obtain/acquire documentation for record keeping purposes as outlined by FAIS
- Compliance with general banking and credit policies and procedures
Preferred Qualification and Experience
- Degree in Finance, Accounting or any equivalent qualification
- Experience in dealing with Chinese clients
- Proficiency in Mandarin (verbal and written)
- Driver’s License is mandatory
- Risk Management
Knowledge/Technical Skills/Expertise
Thorough knowledge and understanding of all Expert Segment and Group Company product/ service offerings.
· Strategic planning models, principles and practices, including market segmentation models/ theory.
· A conceptual understanding of business economics and the current business economic environment.
· An solid understanding of different industry sectors and sector risk profiles/ trends
· Advanced knowledge of Managing Local Market (MLM) Sales principles and practices to optimise retention and growth within the Centre.
· Strong negotiation and conflict management skills to create a cooperative and collaborative working environment.
· Financial Acumen: Financial Modelling capability, activity based costing, financial analysis (evaluating and identifying trends) and complex cash flow cycles (industry/ sector specific).
· Advanced and practical knowledge and understanding of Credit principles and practices.
· A seasoned knowledge of the terms and conditions of multiple legal entities/ company structures operating in the commercial market and the legislative restrictions and requirements governing these.
· Sound understanding of current taxation laws.
· Good knowledge of technical portfolio management systems e.g. E3 to access, load and adjust information.
A good knowledge of Business Banking transactional administration processes and procedures.
Ability to speak mandarin