Marketing Associate
Job Purpose:
This incumbent will support account officers to originate and manage a portfolio of commodity clients by offering the product suite of the bank, including deposits, lending, commodity financing (Pre-Export Finance/ Warehouse Finance), Trade (LCs, Receivables Financing, etc) and capital markets.
Job Responsibilities:
Transaction Underwriting & Portfolio Monitoring
- Conduct basic financial spreading and credit risk analysis based on company, industry, market and competitor research
- Assist evaluating risk aspects of transaction terms and conditions consistent with Bank policies
- Provide support to team by preparing credit reports, liaising with account officers and internal departments such as credit risk management department, and presenting recommendations to approval committees
- Work on a portfolio of accounts maintaining customer files, managing KYC requirements, conduct post-lending monitoring by analyzing interim and annual financials to address periodic reviews or specific client requests while interacting with credit risk and other departments
- Support Middle Office in post lending management of transactions, collateral management and portfolio management issues
Managing Client Relationships
- Support Account Officers to identify and originate new client relationships, and provide KYC information to Middle Office for review
- Attend client meetings with Account Officers and prepare call reports
- Negotiate credit agreement and other documentation for risk management purpose
- Negotiate term sheets/ pricing/ trade confirmation with clients
- Monitor clients credit status and the state of their business activities on an ongoing basis
- Support Account Officers to meet business targets set by the department
- Coordinate with operation teams to support the onboarding and monitoring of transaction
Product Marketing
- Work with account officer to originate business from target/existing clients
- Provide updates to management about marketing efforts, deals in pipeline and closed transactions
- Identify cross-selling opportunities
Compliance and Risk Management
- Onboard new customers in line with the Bank’s risk appetite statement
- Comply with Bank policies (Credit Risk Compliance, New Product Management etc) and department procedures for KYC and Credit Risk Control (including underwriting and post-lending monitoring)
- Set up customer profile and update/review in a timely manner
- Comply with departmental compliance and risks control procedures when accepting customers’ transactions
- Detect unusual activities and inform Account Officer and Middle office, escalating to dept. head if necessary
- Stay abreast of and analyze the industry and market developments
Other
- Maintain professional and technical knowledge by attending educational workshops; reviewing professional publications; establishing personal networks; participating in professional societies
- Prepare presentation materials for training, marketing events and meetings
- Support department in providing client/ transaction/portfolio information as well as business administration related work
Job Requirements:
- Bachelor’s Degree preferred in Finance/ Economics/ Accounting/Engineering/ Sciences/ Liberal Arts, MBA preferred
- Minimum 2 years of credit analysis or account officer experience within banking; trade finance related banking experience is a plus
- Demonstrate excellent communication and relationship management skills
- Demonstrate solid financial and credit analysis skills, as well as ability to read, write, analyze and interpret general business documents