Job Summary

The RM Commercial Banking is responsible for managing and growing relationships with mid-sized to large corporate clients. This role involves understanding clients' business needs, offering financial solutions, and driving revenue growth by cross-selling banking products and services. The ideal candidate should have a deep understanding of commercial banking products, strong financial acumen, and a proactive approach to client relationship management.

Key Responsibilities

• Client Relationship Management:
  • Build, manage, and deepen relationships with existing and prospective clients, focusing on understanding their business objectives, financial needs, and challenges.
  • Serve as the primary point of contact for clients, delivering tailored financial solutions to support their growth and operational needs.
• Portfolio & Revenue Growth:
  • Develop and implement strategies to expand the client portfolio and increase revenue through cross-selling commercial banking products, including loans, cash management, trade finance, treasury solutions, and FX products.
  • Conduct periodic portfolio reviews and identify opportunities for business growth within existing accounts.
• Credit Analysis & Risk Management:
  • Work closely with credit analysts to evaluate client creditworthiness, prepare credit proposals, and recommend appropriate credit limits.
  • Monitor client performance, market conditions, and sector-specific risks to ensure early identification and mitigation of potential risks within the portfolio.
• Product Knowledge & Solution Selling:
  • Maintain up-to-date knowledge of the bank's commercial banking products and services, as well as industry trends and regulatory changes.
  • Proactively recommend and deliver solutions that align with clients' short-term and long-term financial needs, including working capital, expansion financing, trade finance, and treasury solutions.

• Market Research & Prospecting:
  • Build and maintain a pipeline of qualified prospects through networking, referrals, and direct outreach.
• Collaboration & Teamwork:
  • Work closely with internal stakeholders, including credit risk, treasury, and product teams, to deliver comprehensive financial solutions to clients.
  • Collaborate with the compliance and legal teams to ensure adherence to regulatory requirements and internal policies.
• Client Service Excellence:
  • Ensure high levels of client satisfaction through regular follow-ups, addressing client inquiries promptly, and providing solutions to resolve client issues.
  • Act as an advocate for clients within the bank, ensuring their needs are effectively communicated and met by the internal teams.

Key Skills & Competencies

• Strong knowledge of commercial banking products, credit, and risk assessment
• Excellent communication and interpersonal skills to establish strong client relationships
• Proven business development and sales acumen
• Analytical skills with the ability to interpret financial data and market trends
• Strong problem-solving abilities, attention to detail, and strategic thinking

Qualifications & Experience

• Bachelor’s or Master’s degree in Finance, Business, Economics, or a related field
• Min of 5 to 8 years of experience in relationship management, commercial banking, or a similar role.
• Familiarity with credit analysis and corporate banking solutions
• Proven track record of managing corporate clients and achieving sales targets