Associate Director, Coverage - Usa

Job Purpose:

To develop and maintain relationships with an assigned client portfolio of clients through understanding the clients requirements, close collaboration with other teams such as Products Teams, Group Credit, Treasury and Global Markets Group, etc. and recommending suitable solutions/ sophisticated products and services to the Head of CMB for feedback and approval. The role holder is also responsible for ensuring delivery of high quality of service to the clients while meeting the client requirements and enabling client satisfaction

To be right for this position you should have demonstrable experience in the following areas:

Client and Market Analysis

• Participate in the financial analysis conducted on clients and their respective industries/ markets to identify potential opportunities and risks.

Client Relationship Management

• Visit and provide continuous support to clients in order to satisfy their daily transactional requirements, enquiries, and documentation needs.
• Review facility documents and follow-up with clients to ensure that they submit renewed or missing documents on-time.
• Ensure all credit reviews are submitted on time and agreed conditions are met.
• Adhere to process KPI’s and, ORM, BCP & Internal Audit requirements
• Ensure all clients’ files /documents are maintained.
• Achieve individual and team financial performance targets.
• Assist the coverage banker / team in making some basic calls to clients and following up with them on the services provided by FAB and any other requirements as directed by the Head of CMB or Executive Directors / Directors, in order to build capability of the CB sub-department.
• Ensure Account Plans are prepared and maintained for all key clients.
• Identify & develop cross selling opportunities and increase the cross-sell ratio with key clients.
• Convey potential client acquisitions to Head of CMB or Executive Directors / Directors while providing them with clients’ needs and the conducted due-diligence in order to conduct credit assessments/ appraisals and pass them for approval.
• Works closely with the Client Service team to guarantee the highest quality of service to the clients in the portfolio.
• Follow-up with other sub-departments/ departments on credit/ facility requests to ensure clients’ requests are met on-time.

Credit Approval

• Collects credit request and documents from the clients in the portfolio and conduct initial analysis to check plausibility against preliminary rejection criteria and submit necessary documents to Group Credit in order to facilitate the credit analysis and approval process.
• Ensures the quality of the credit portfolio is maintained by assisting in reviewing proposals and identifying and assessing all risks inherent in credit exposures.
• Assists Group Credit in development of the CAs through provision of relevant client documents and inputs, and reviews it in the end, in order to ensure quality and completeness of all CAs before approval.

Reports

• Assist in the preparation of timely and accurate statements and reports to meet the unit’s requirements, policies, and standards

Minimum Qualifications & Experience

• Banking software systems proficiency
• 2 – 4 years of experience in banking or a similar area
• Data analysis and financial modelling skills
• Strong analytical and research skills
• Credit analysis and FOREX skills
• Master’s degree in Business Administration is preferred.
• Bachelor’s degree in Finance or related discipline.
• Knowledge of the banking sector, and FAB’s products and business strategies