The posting
To build, manage, maintain and strengthen the business relationships with corporate clients and commodities clients based in Singapore and SEA region through understanding the clients’ requirements and proposing suitable solutions/ products and services to clients and through close collaboration with other teams such as Products and Credit partners, Treasury, etc. in order to achieve the target revenue and to ensure the client’s requirements and objectives are met, thus enabling high client satisfaction and loyalty.
KEY ACCOUNTABILITIES:
Client Relationship Management
- Participate in the identification of new clients and ensure the proper articulating of the value-add the services/ products and relationship with FAB would offer them in order to attract new clients and increase the size of the sub-department’s portfolio and market share.
- Manage the daily interactions with clients and provide superior client service to improve clients’ experiences, grow assets and liabilities, and maximize FAB’s profitability.
- Identify early warning signals and take remedial action to mitigate any credit risk in the portfolio.
- Ensure that any temporary overdraft or excess over limit are regularized within a reasonable time.
- Ensure that the Bank is in possession of all required facility documents duly executed by the client.
Business Development
- Initiate prospects and assess opportunities for an assigned portfolio of corporate relationship and new clients.
- Work closely with Representative Offices, Branches and Head Office to generate business leads.
- Cross sell various products of FAB’s portfolio such as corporate finance, project and structured finance, transaction services, debt markets, treasury and Islamic banking products to existing client accounts, based on the requirements of the client, in order to contribute to the increase in product penetration and wallet share of the existing clients.
Internal Collaboration
- Develop a close working relationship with alldepartments/ sub-departments including Product partners (Debt Markets, GlobalTransaction Services, Islamic Banking, Corporate Finance, and Treasury &Global Markets) in order to contribute to cross selling opportunities; andCredit to attain the department’s financial objectives.
Client and Market Analysis
- Conduct analysis on clients’ financial health and needs as well as their industries/ markets on regular basis in order to identify lending, selling, and cross-selling opportunities and improve FAB’s profitability.
Credit Approval
- Collect credit request and documents from the clients and conduct initial analysis, acquiring and evaluating new accounts, structuring credit facilities, performing credit assessment of financial statements, cash flow projections, periodic credit reviews of the existing accounts and loan documentations.
- Prepare credit memoranda and other information relevant for the credit application package of new credit applications, annual reviews and ad-hoc applications.
- Ensure the quality of the credit portfolio is maintained by reviewing proposals, identifying and assessing all risks inherent in credit exposures.
Continuous Improvement
- Identify opportunities for continuous improvement of systems, processes and practices taking into account 'international leading practice’, improvement of business processes, cost reduction and productivity improvement.
Policies, Systems, Processes & Procedures
- Follow all relevant departmental policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent manner.
MIS and Reports
- Prepare reports in a timely and accurate manner to meet the departments and FAB’s requirements, policies and standards.
Perform any other ad-hoc tasks when assigned.
QUALIFICATIONS & EXPERIENCE: Knowledge & Experience:
- Degree in Finance, Accounting, Economics, Commerce or relevantdisciplines.
- At least 10 years of relevant experience in corporate / investment banking and client relationship management with multinational banks, preferably with SEA & Australia exposure.
- Strong knowledge of corporate banking product, trade transaction flow, trade structures and transactional risk related to commodity financing.
Skills:
- Good understanding of the SEAA market and commodity trading scene in SG.
- Should have the ability to develop rapport with operational management at Client entity so as to maximize revenue potential from approved facilities.
- Strong track record of success in identifying, structuring and delivering financing solutions to a diverse client base.
- Strong marketing, client relationship management and presentation skills.
- Ability to communicate effectively with clients and internal business units.
- Awareness of market trends, pricing information and underwriting appetite.
- Experience in the entire credit process from deal acquisition up to conclusion (including documentation).
- Strong in Credit Risk and Financial Risk analysis.
- Strong work ethics and a passion for excellence – ability to perform under pressureand within tight deadlines.
- Ability to work independently, collaboratively as a team player and highly adaptable to the changing needs of internal and external customers.
- Leadership skills.
