Corporate Loans Relationship Manager [ Experienced Sales Loan - Relationship Management / Central ] #1206

Job Description :

. Build and maintain relationships with small and medium-sized enterprise

(SME) clients, understanding their financing needs and business objectives.

. Act as the main point of contact for SME clients, addressing inquiries,

concerns, and requests promptly and effectively.

. Develop a deep understanding of clients businesses, industries, and market

dynamics to provide tailored financial solutions.

. Source and identify new lending opportunities within the SME segment,

including prospecting and lead generation activities.

. Conduct comprehensive credit assessments and risk analyses for loan

applicants, evaluating their creditworthiness, financial stability, and repayment

capacity.

. Structure and negotiate loan terms and conditions in accordance with lending

policies, regulatory requirements, and risk management guidelines.

. Manage a portfolio of SME loan accounts, monitoring loan performance,

repayment behaviour, and compliance with loan agreements.

. Proactively identify and address potential credit risks or delinquencies,

implementing appropriate remedial actions as necessary.

. Work closely with internal stakeholders, such as credit analysts and legal

teams, to ensure timely and accurate loan documentation and processing.

. Provide financial advisory services to SME clients, offering insights and

recommendations on business growth strategies, cash flow management, and

capital allocation.

. Assist clients in preparing loan applications and supporting documentation,

guiding them through the loan approval and disbursement process.

Requirements:

. Minimum 4 years experience in commercial banking, SME lending, or

relationship management, with a focus on business development and credit

analysis.

. Demonstrated track record of successfully originating and managing SME

loan portfolios, achieving lending targets, and mitigating credit risks.

. Strong financial analysis skills, including the ability to evaluate business

financial statements, assess credit risk factors, and perform cash flow

modelling.

. Familiarity with credit underwriting standards, loan structuring techniques, and

risk mitigation strategies in the SME lending context.

. Excellent communication and interpersonal skills, with the ability to build

rapport with clients, understand their needs, and negotiate effectively.

. Ability to convey complex financial concepts clearly and concisely, both

verbally and in writing.

. Strong networking skills and the ability to cultivate relationships with key

stakeholders in the SME community, including business owners, industry

associations, and referral partners.