This role has prime responsibility for growing our loan portfolio by identifying clients' financial need and providing solutions. The position has wide-ranging responsibilities, including building a relationship with clients, analyzing the financial data, writing loan proposals/memos, and managing our growing loan portfolios.

MAIN RESPONSIBILITIES

• Develop and generate sales opportunities with both new and existing clients to achieve assigned targets for loan growth, deposits, fee income, and portfolio quality;
• Promote the Bank's products and services to target clients and actively cross-sell deposits, transaction banking, trade finance, payroll, cash management, digital banking solutions, and other banking products;
• Build and maintain strong relationships with new and existing clients through regular customer visits and relationship reviews;
• Meet with clients, collect and verify information and supporting documents required for loan applications and credit evaluation;
• Collaborate with new and existing clients to understand their business models, cash flows, financing needs, and identify appropriate financial solutions to support their growth;
• Conduct financial analysis and preliminary credit assessments, and prepare quality loan proposals/memos in accordance with approved credit policies and procedures;
• Handle the preparation, review, and processing of loan contracts and associated legal documents in accordance with regulatory and internal policies;
• Response to client complaints and take appropriate action to resolve issues promptly and effectively;
• Monitor portfolio performance, repayment schedules, and covenant compliance; identify early warning signals and escalate problem accounts in a timely manner;
• Support portfolio remediation, recovery, and collection efforts where necessary to maintain portfolio quality;
• Operate in accordance with the Bank's guidelines and policies, ensuring compliance with applicable laws and regulations;
• Attend the Bank's training programs and pursue ongoing professional development;
• Coordinate with the SME Banking Department on escalated cases and product-related matters;
• Perform other duties assigned by line manager.

QUALIFICATION AND EXPERIENCE

• Bachelor’s /Master’s Degree of Finance, Banking, Business Administration or any related field.
• At least 2 years of experience or above in retail banking/ SME Banking/ banking customer service.

1. Hard Skill (Technical) 

• Computer literacy;
• Communication skill;
• Data Analysis & Reporting;
• Fundamental accounting;
• Microsoft Word and Excel.

2. Soft Skill (Core-Competency) 

• Problem Solving;
• Negotiation;
• Collaboration & Teamwork.

3. Personal Attitude

• Customer centric;
• Proactive mindset;
• Integrity.

4. Other Requirements

• Strong desire to work in a team and deal with challenges;
• Abilities to read and analyze financial information and report;
• Sound understanding of lending product and process.