Job Description

: * Conduct customer profitability analysis and account strategy formulation with the help of product specialists, as required, for both existing and potential clients.

• Execute the account strategy plan including cross-selling activities or phase-out activities.
• Be the first-line primary contact person for the customer on all queries relating to credit, deposits and other products and services including on operational issues.
• To develop and maintain professional customer relationships with key decision makers (viz. CEO, CFO, Head of Treasury, Head of HR etc).
• To develop new business relationships by identifying suitable prospects and using various means of communication and visits to seek out suitable business opportunities.
• To perform financial & risk analysis, evaluation and decision-making and to submit well written credit presentations/memos/proposals for approval by the relevant Approving Authority based on the rules, regulations, policies, procedures and guidelines of the Bank and those of relevant regulatory authorities, as applicable.
• Coordinate with other product lines, departments and units for overall development of the portfolio including tapping on cross-selling opportunities as well as ensuring prompt and proper delivery of relevant services.
• To conduct a periodic health check on the portfolio of customers including but not limited to an annual review of the credit-worthiness of existing borrowing/financing accounts, to ensure and to confirm that all legal /security documentation is intact and legally enforceable, insurance policies are current and renewed on expiry, SHARP testing has been done appropriately and all covenants imposed are complied with.
• To proactively monitor the asset quality of customers in the portfolio by detecting early warning signs and to promptly undertake or initiate debt/ financing restructuring ,rescheduling or legal recovery action, as applicable.
• To prepare monthly reports, audit confirmation and any ad-hoc reports, as required.
• To undertake any other related tasks as determined by the management of the Bank from time to time.

CIMB