Job Experience/Qualifications:

• Bachelor’s degree in business, finance, or accounting or relevant. 

• 3-5 years of experience managing business banking relationships, and developing, structuring,  underwriting, and negotiating credit transactions.

Skills & Competencies:

• Must be a self-starter and have the ability to take ownership of key relationships with minimal  supervision while effectively communicating with senior management. 

• Effective oral and written communication skills. 

• High analytical skills.

**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.