JOB OVERVIEW

The incumbent will be responsible for offering trade, supply chain and corporate loans to key segmented SMEs, including building and networking with customers, increasing the loan customer base and maintaining good quality of loan portfolio for the bank.

JOB DUTIES & RESPONSIBILITIES

Build and deepen relationships with high-net-worth and corporate customers, mainly focusing on manufacturing and processing supply chain and other key corporate SMEs, for delivery of loan products and services.
Provide professional customer service to achieve a high percentage of customer satisfaction and retention.
Generate new business to achieve defined targets in terms of no. of customers, volumes and revenue for the segment
Achieve “best in class” productivity to maximize the efficacy of the sales process.
Aggressive sales call plans to acquire large prospective customers through referrals.
Ensure coverage of customer base in accordance with the approved contact plans or sale pipeline.
Dealing with supply chain anchors/key customers within the target sectors, including negotiating with customers, making a business need assessment, making cost and benefits analysis for SMEs, and preparing and presenting a win-win financing proposal for customers.
Onboarding and conducting counter-party risk assessments on all business anchors/key customers within value chain sectors
Conduct all steps of loan appraisal of every loan application, including customer and document assessment, write-up, onsite visits to customers’ business and collateral with an appropriate validation following policies and procedures of the Bank
Monitoring daily work timely and effectively, loan files must be up to date to ensure its high quality of management, loan quality must be closely monitored and rehabilitated and NPL ratio kept at an acceptable level. All bank assets and liabilities related to loans, guarantees confirmation and other loan products need to be properly documented, recorded and accounted for.
Monitoring daily loan late by pushing the sale staff under supervision to closely follow up on-time payment.
Monitor and check regularly on customers concerning the use of loan, business situation, loan contract terms, the repayment of loan, the completeness of documentation on time and to process possible extension of the loan before due date within 7 working days.
Resolve all issues and queries of the customers related to the loan procedures and formalities
Provide training/coaching to the sale staff under supervision to adapt of the bank code of conduct, core value, other rules and regulations
Sharing the new Memo information of the bank to all staff under my supervision
Lead marketing resources to generate new customers and clients for the Bank as group and team.
Execute other related duties as assigned by line supervisors or

QUALIFICATION & REQUIREMENTS

Bachelor’s degree in banking or others related field.
At least 5 years of experience in credit business sales/performance management.
Good business networking, relationship and/or negotiation skills.
Sense of understanding about economic environment and impact of country factors on customer business as well as the bank
Good organizational and time management skills
Possess high integrity and effective communication
Strong self-motivation and excellent interpersonal skills
Ability to lead and work effectively in a team environment