AddressAs a Relationship Manager in Corporate & Institutional Banking, your primary responsibility is to manage and nurture relationships with corporate clients and institutions. Here's a breakdown of your roles and responsibilities:
- Client Relationship Management: Build and maintain strong relationships with corporate clients and institutional partners. Understand their needs, objectives, and financial goals.
- Financial Advisory: Provide financial advisory services to clients, including advice on corporate finance, capital raising, mergers and acquisitions, and other strategic transactions.
- Credit Analysis and Risk Management: Conduct thorough credit analysis of clients to assess creditworthiness and manage risk exposure. Ensure compliance with internal policies and regulatory requirements.
- Product and Service Delivery: Coordinate with internal teams to deliver tailored financial products and services to meet client needs. This may include lending solutions, treasury services, cash management, trade finance, and investment banking products.
- Business Development: Identify opportunities to expand the client base and grow the business. Proactively seek new business prospects and generate leads through networking, referrals, and market research.
- Portfolio Management: Manage a portfolio of corporate accounts, monitoring performance, identifying opportunities for cross-selling, and mitigating risks.
- Negotiation and Deal Structuring: Negotiate terms and conditions of financial transactions, including pricing, terms of credit, collateral requirements, and covenants. Structure deals that are mutually beneficial for the client and the bank.
- Market Intelligence: Stay informed about market trends, industry developments, and regulatory changes that may impact clients' businesses. Provide insights and recommendations to clients based on market intelligence.
- Compliance and Due Diligence: Ensure compliance with regulatory requirements and internal policies. Conduct due diligence on clients and transactions to mitigate legal, regulatory, and reputational risks.
- Client Advocacy: Serve as the primary point of contact for clients, advocating on their behalf within the bank to ensure their needs are met effectively and efficiently.
- Performance Reporting: Prepare and present periodic performance reports to clients, highlighting key financial metrics, portfolio performance, and recommendations for improvement.
- Relationship Building with Internal Stakeholders: Foster collaboration and communication with internal stakeholders such as credit risk, legal, compliance, and product teams to ensure seamless delivery of services to clients.
- Continuous Learning and Development: Stay updated on industry best practices, emerging trends, and innovations in corporate banking. Continuously develop skills and knowledge to enhance effectiveness in the role.
