Relationship Manager, Structured Trade Finance

Key Responsibilities

Portfolio Management and Business Development - 40%

• Manage and grow the Bank's Structured Trade Finance portfolio in line with strategic objectives, risk appetite, and profitability targets.
  
• Drive innovation and contribute to the development of new structured trade finance products and solutions.
  
• Identify and pursue new business opportunities within target sectors and markets to expand the Bank's structured trade finance offering.
  
• Build, maintain, and deepen relationships with corporate customers and key stakeholders to drive portfolio growth and customer retention.
  
• Develop tailored financing solutions that address customer needs while ensuring adequate risk mitigation and security coverage.
  
• Maintain high standards of customer service and responsiveness while balancing commercial objectives and risk considerations.
  
• Identify opportunities to enhance customer experience, operational efficiency, and product competitiveness.
  
• Recommend and implement process improvements aimed at strengthening controls, reducing turnaround times, and improving service delivery.
  
• Monitor market trends, commodity developments, industry dynamics, and regulatory changes to support product enhancement and portfolio strategy.
  

Transaction Structuring and Execution — 20%

• Originate, structure, negotiate, execute, and monitor a broad range of structured trade finance solutions, including collateral management arrangements, receivables financing, supply chain finance, and trade-backed lending structures.
  
• Support credit appraisal processes by providing transaction analysis, collateral assessments, portfolio performance reports, and risk insights.
  
• Coordinate with internal and external stakeholders to ensure smooth transaction execution and operational efficiency.
  
• Oversee the end-to-end transaction lifecycle, including documentation, approvals, disbursement, monitoring, reconciliation, and closure.
  
• Ensure timely and accurate implementation of approved facility structures and risk controls.
  
• Participate in annual reviews, covenant monitoring exercises, and facility renewal assessments.
  
• Serve as the key liaison between Business, Credit, Trade Finance, Operations, Legal, Compliance, and Collateral Management teams.
  
• Engage effectively with external service providers, including collateral managers, warehouse operators, inspectors, insurers, and legal advisors, to ensure proper transaction administration and risk mitigation.
  

Portfolio Monitoring and Risk Management — 20%

• Conduct continuous monitoring of financed transactions, collateral positions, and customer performance to ensure compliance with approved facility terms and conditions.
  
• Track stock movements, limits utilization, collateral values, insurance coverage, and covenant compliance.
  
• Identify emerging risks and implement proactive measures to mitigate potential losses arising from market, operational, credit, or collateral-related risks.
  
• Review transaction structures, security arrangements, and control mechanisms to ensure enforceability and adequacy of risk coverage.
  
• Conduct periodic portfolio reviews and recommend appropriate remedial actions for exceptions, breaches, or deteriorating credit profiles.
  
• Prepare and present portfolio performance reports, utilization reports, risk assessments, and management information to relevant stakeholders and management committees.
  
• Analyze portfolio trends and provide actionable insights to support strategic decision-making and risk management.
  
• Maintain accurate and timely portfolio records and reporting dashboards.
  
• Ensure compliance with applicable regulatory requirements, internal policies, credit approvals, operational procedures, and industry best practices.
  
• Maintain robust operational and credit risk controls to mitigate risks relating to fraud, documentation deficiencies, collateral deterioration, process failures, and funding gaps.
  
• Support internal audits, regulatory inspections, and compliance reviews by providing timely information and implementing corrective actions.
  
• Ensure all transactions are appropriately documented and administered in accordance with approved standards and legal requirements.
  

Training and Technical Advisory — 20%

• Provide technical support, guidance, and subject matter expertise on structured trade finance products and processes across the Bank.
  
• Conduct training and knowledge-sharing sessions to enhance staff understanding of structured trade finance structures, controls, and risk management principles.
  
• Promote awareness of best practices and emerging trends within the structured trade finance landscape