Relationship Manager - Judgmental Lending - Working Capital - Bank

Urgent Hiring for an MNC Bank for RM Judgmental Lending role

Product Focus: WC (Asset)

Note: NTB & Relationship Management

Principal Accountabilities: Key activities and decision making areas

Impact on the Business

- Act as Relationship Manager by offering value-added advice and guidance to customers and placing their needs at the forefront of all that we do, setting world class standards

- Grow sustainable revenues from existing customer portfolio and through targeted acquisition of quality new-to-bank international customers

- Build a network of business introducers in the local professional and business community

- Champion international business in accordance with the Global IRM principles and promote HSBC as the bank of choice for international SMEs

- Generate new-to-bank business through proactive management of shadow portfolios-

- Increase profitability, relationship depth while minimizing risk.

- Work with product partners (such as PCM, Trade, Insurance) to assess needs of international and domestic customers and offer appropriate solutions.

- Generate cross country referrals facilitated via Global Links and local or overseas IBC, whichever appropriate.

- Generate quality assets through the use of appropriate risk management tools, price appropriately for risk and ensure superior returns within risk appetite

- Structure credit facilities to ensure optimum balance between customer and HSBC interests while remaining within the bounds of prudent banking

- Offer proactive value-added service to international customers-, international prospects and international professionals

- Keep up-to-date on knowledge of HSBC's international strategy, capabilities and policies.

- Keep abreast of external factors influencing international business e.g. economic, cultural, geographical, procedural and regulatory requirements.

- Align to MTO and Area Operating Targets defined by the Group (Revenue, RWA, RoRWA).

Typical Targets and Measures

- International revenue growth

- Sustainable deposit growth

- Portfolio RoRWA

- Loan impairment charges

- Improve customer engagement score%.

- Acquisition of new to bank high value international customers as per Sourcing Policy

- Successful global link referrals as measured by value (USD) and volume

- New to bank client recommendations from existing customers and business/professional introducers