Business development

• Maintains and grows a profitable book of business through disciplined and proactive business development and relationship management.
  
• Highly focused on our target client profile; understands their financial needs and effectively communicates our value proposition.
  
• Develops an in-depth knowledge of Bank products and services. Cross Selling products based on customer needs while collaborating with other teams in the bank for suitable product offerings • Attains established business targets on loans and deposits through active participation in sales management process.
  

Underwriting

• Effectively identifies key risk factors associated with business opportunities and clearly articulates by preparation of credit presentations and participate in the underwriting and credit approval process.
  
• Structures, underwrites and obtains credit approval, negotiates terms, and effectively documents credit actions and agreements.
  
• Structures, underwrites and obtains credit approval, negotiates terms, and effectively documents credit actions and agreements.
  

Relationship management

• Takes ownership for client relationship with the Bank.
  
• Prioritizes relationships effectively and has an appropriate relationship management plan for each customer.
  
• Takes a consultative approach to understanding our client’s objectives, effectively identifies their financial needs, implements appropriate financial solutions, and undertakes ongoing review and assessment to ensure plan execution.
  
• Effectively collaborates with client service team, product team and senior management to ensure excellent client experience.
  
• Maintains a working knowledge of bank operating policies and procedures which impact commercial relationships.
  

Portfolio management

• Accountable for overall portfolio management, compliance and risk.
  
• Monitors conduct of portfolio to ensure actual performance is consistent with approved limits and loan structures.
  
• Completes accurate and timely credit actions, including periodic reviews, renewals and modifications.
  
• Ensures that borrower reporting requirements and financial covenants are met.
  

Teamwork & leadership.

• Treats people with respect; keeps commitments; Inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
  
• Exhibits leadership by example, pursuing high performance and professionalism.
  
• Any other duties as may be directed by the supervisor or equal authority.