Job Description
HSBC is currently recruiting for the role of Relationship Manager - Corporate Banking
Duties and Responsibilities
Your main responsibilities in this role include the following:
Maximize revenue and customer value from a portfolio of relationships and contribute directly to department target, both stipulated in Strategic Plan and AOP, in profit growth, credit quality etc
Optimize and grow the current and potential future value of a portfolio of high value commercial customers
Coordinate with team to achieve targets set and identify potential business opportunities for portfolio expansion
Assist Division Head in the formulation and implementation of long and short-term strategic plans and objectives to increase market share/penetration and maximize opportunities for revenue growth
Undertake/assist in the appropriate analysis and preparation of client value and customer strategic plans utilizing Client Vision, proposals, presentation and pitches for new solutions, products and services
Analyze client wallet sizing and ensure that there is an ongoing client contact and sales strategy for every client and prospective client in the portfolio
In conjunction with product partners, identify and materialize potential business opportunities in existing portfolio
Establish relationships with new clients and maintain a high-level contact with existing clients to identify new sales opportunities
Management of RWAs and ROE of the portfolio within guidelines and using all available tools provided
Conduct annual reviews, renewals, temporary extensions, and waivers and amendments
Recommend lending facilities within the bank’s guidelines and procedures
Recognize early warning signs and closely monitor clients to anticipate changes in risk rating
Proactively identify issues and restructure relationships to mitigate potential future risk
Understand the latest developments in customer’s industry, global trade environment and international financial industry and proactively advise customers for inherent financial service needs
Maximise cross-selling in a wide range of products including treasury, capital markets, personal, insurance, investments, private banking, etc
Deliver an excellent customer experience
Maintain product expertise and regularly update product knowledge, work closely with Product Team in crafting tailor-made solutions according to customers’ needs
Work closely with customers to build and nurture relationships, developing rapport and enhancing channels of communication
Provide product specialists with qualified referrals for cross-selling and assist in closing deals across all products
Own the customer experience and ensure service excellence at all times, for all aspects of any customer or prospect’s interaction with HSBC
Evaluate the customer’s needs and present a range of solutions that are informative and meet their expectations
Work closely with Operation Team to resolve service issues and ensure quality service delivery to customers
Build close working relationships with internal product partners (such as GB, PFS, GPB, GTB, CRM, HR, OPS, FIN, LGA & Compliance, Audit)
Recognize early warning signs and closely monitor clients to anticipate changes in risk rating while identifying relationship restructure to mitigate potential future risk
Provide active feedback to seniors on process, operations, risks etc., and make recommendation as to how these can be changed to secure the customer and the bank
Job Requirements
Strong knowledge of Commercial Banking credit assessment and business development
Strong knowledge of the Bank’s structures, products and services
Understanding of risk management and credit mitigates and strong credit knowledge
Broad understanding of the competitive, legal and regulatory landscape, with a detailed knowledge of competitor propositions/ activity
Strong knowledge of the full range of Transactional / Corporate Banking products, including: Treasury, Cash Management, Trade Finance, Deposits and Money Market facilities
Decent Background knowledge of structured banking transactions, IPOs, leveraged finance, syndicated loans, private placements, bonds and securitizations and global capital markets
Proven track record in a corporate client focused environment and an ability to anticipate clients’ needs and tailor service delivery to them
Excellent interpersonal skills, with a particular emphasis upon inspiring, influencing and negotiating in dealing with customers and colleagues
Ability to manage the competing priorities of deal flows, credit quality and the requirement to drive income
Strong analytical, planning and organizational skills combined with a strong problem solving ability
Adaptable, flexible and willing to implement change
uperior writing and presentation skills
