Job Purpose

Manage and grow a portfolio of Chinese clients by building strong, long-term relationships with both existing and prospective customers. Actively represent the Bank in the market and serve as the key point of contact for all client banking needs.

Drive revenue growth through effective management of Net Interest Income (NII), fee-based income, and cross-selling of the Bank’s full suite of products and services. Collaborate closely with internal teams including Retail, Branches, Treasury Sales, Bancassurance, Select Banking, Trade Finance, and Operations to deliver integrated financial solutions.

Promote the Bank’s brand within the Chinese community, ensuring high service standards and positioning yourself as a trusted advisor and brand ambassador.

Key Responsibilities/Tasks

Relationship Management:

• Manage a portfolio of existing clients and cross sell of Bank’s products to enhance relationship as per the personal score card which includes Bancassurance, Promoters and Their Close Family Members of Existing Corporate Clients to Select Banking.
• Identify and acquire new prospective clients in order to grow the credit portfolio. To cover the Ecosystem of the Large Corporate Clients for BusinessBanking Lending, Agricultural Financing. Need to acquire clients for Lending Business as well as for Build-up of Low-Cost Deposits. Peep into the Government Banking as well. Also, may do selectively Corporate Banking Business as well.
• Source Clients for Fee Based Income issuance of Letter of Credit Bank Guarantees.
• Achieve the NII Budgets, Fee Income Achieve Loan Budgets and Deposit Budgets.
• Cross Border Business Referrals to IMK, IMU,IMR,Bank One.
• Regular monitor and follow ups on irregular accounts and excess drawings to ensure that the health of the portfolio is maintained.
• Regular client visits for inspection/relationship maintenance in liaison with the supervisor including conducting periodic review of debenture assets e.g., stocks and submit the call report accordingly. Visit of the Property Collateral is mandatory.
• Team Management if any.

Credit Management:

• Provide support to the credit risk team by ensuring submission of relevant information for preparation of credit applications.
• Follow up on timely submission of executed security documents and offer letter after a credit proposal has been approved

Compliance:

• Regular monitoring of compliance with board or management credit committee (BCC/MCC) directives
• Ensure the credit approval conditions and covenants are met by clients as per the Bank’s requirements.
• Ensure compliance to Anti-money laundering (AML) and know your customer (KYC) to all clients!
• Ensure turnaround time (TAT) for client’s applications are achieved through monitoring the flow of process

Risk Management:

• Update and maintain risk procedures and systems with respect to risk identification, risk assessment, risk monitoring, risk mitigation strategies and risk reporting.
• Ensure effective adoption and utilization of risk management tools.
• Drive remediation of risk management exceptions identified during audit or risk reviews.
• Promote risk management culture

Reporting:

• Monitor submission of insurance, valuation reports and financials for debtors, creditors and stock list etc.
• Ensure timely submission of call reports and any other reports from time to time

Administration:

• Support the head of business development in preparing and providing inputs for relationship-related budget for board approval.
• Overall, in charge of staff within department including leave management, performance appraisal, training, coaching and mentoring within department.
• Perform any other duties as may be assigned by the immediate supervisor from time to time

Skills, Knowledge and Abilities

• Financial Analytical skills
• Presentation skills
• Report writing skills
• Communication skills
• Knowledge on market/macroeconomics trends
• Market research
• Knowledge of regulatory frameworks

Academic / Professional Qualifications

• Bachelor’s degree in Finance, Economics, Business Administration, or a related field.
• 3–5+ years’ experience in Corporate Banking or Relationship Management, with a proven track record in managing corporate portfolios and driving revenue growth.
• Strong proficiency in Mandarin and English (spoken and written), with the ability to engage effectively with Chinese corporate clients.
• Solid understanding of corporate banking products, including lending, trade finance, cash management, treasury, and structured solutions.
• Demonstrated ability to originate deals, cross-sell products, and grow client relationships within the Chinese corporate segment.
• Strong commercial acumen, stakeholder management skills, and ability to collaborate across internal teams to deliver tailored financial solutions.

• Manage a portfolio of existing clients and cross sell of Bank’s products to enhance relationship as per the personal score card which includes Bancassurance, Promoters and Their Close Family Members of Existing Corporate Clients to Select Banking.
• Identify and acquire new prospective clients in order to grow the credit portfolio. To cover the Ecosystem of the Large Corporate Clients for BusinessBanking Lending, Agricultural Financing. Need to acquire clients for Lending Business as well as for Build-up of Low-Cost Deposits. Peep into the Government Banking as well. Also, may do selectively Corporate Banking Business as well.
• Source Clients for Fee Based Income issuance of Letter of Credit Bank Guarantees.
• Achieve the NII Budgets, Fee Income Achieve Loan Budgets and Deposit Budgets.
• Cross Border Business Referrals to IMK, IMU,IMR,Bank One.
• Regular monitor and follow ups on irregular accounts and excess drawings to ensure that the health of the portfolio is maintained.
• Regular client visits for inspection/relationship maintenance in liaison with the supervisor including conducting periodic review of debenture assets e.g., stocks and submit the call report accordingly. Visit of the Property Collateral is mandatory.
• Team Management if any.
• Provide support to the credit risk team by ensuring submission of relevant information for preparation of credit applications.
• Follow up on timely submission of executed security documents and offer letter after a credit proposal has been approved
• Regular monitoring of compliance with board or management credit committee (BCC/MCC) directives
• Ensure the credit approval conditions and covenants are met by clients as per the Bank’s requirements.
• Ensure compliance to Anti-money laundering (AML) and know your customer (KYC) to all clients!
• Ensure turnaround time (TAT) for client’s applications are achieved through monitoring the flow of process
• Update and maintain risk procedures and systems with respect to risk identification, risk assessment, risk monitoring, risk mitigation strategies and risk reporting.
• Ensure effective adoption and utilization of risk management tools.
• Drive remediation of risk management exceptions identified during audit or risk reviews.
• Promote risk management culture
• Monitor submission of insurance, valuation reports and financials for debtors, creditors and stock list etc.
• Ensure timely submission of call reports and any other reports from time to time
• Support the head of business development in preparing and providing inputs for relationship-related budget for board approval.
• Overall, in charge of staff within department including leave management, performance appraisal, training, coaching and mentoring within department.
• Perform any other duties as may be assigned by the immediate supervisor from time to time

• Financial Analytical skills
• Presentation skills
• Report writing skills
• Communication skills
• Knowledge on market/macroeconomics trends
• Market research
• Knowledge of regulatory frameworks

• Bachelor’s degree in Finance, Economics, Business Administration, or a related field.
• 3–5+ years’ experience in Corporate Banking or Relationship Management, with a proven track record in managing corporate portfolios and driving revenue growth.
• Strong proficiency in Mandarin and English (spoken and written), with the ability to engage effectively with Chinese corporate clients.
• Solid understanding of corporate banking products, including lending, trade finance, cash management, treasury, and structured solutions.
• Demonstrated ability to originate deals, cross-sell products, and grow client relationships within the Chinese corporate segment.
• Strong commercial acumen, stakeholder management skills, and ability to collaborate across internal teams to deliver tailored financial solutions.