Unit Head (Corporate Banking)
A renowned Private Commercial Bank
- Bank/ Non-Bank Fin. Institution
- Full time
- 2 years ago
- Dhaka
Job Description
- Leading a team of SRMs/RMs/ARMs and maintaining strong & close relationships with large corporate clients to maintain & expand existing business and originate new business resulting in increased revenue, within the framework and guidelines of the Bank and Regulators.
Job Responsibilities
- Leading the team to attain the objectives of the Unit in totality by developing new business, maintain portfolio quality, and regular reviews to ensure achievement of growth and business targets
- Setting goals, objectives and measurement standards for each Relationship Manager/ Credit Analyst of the Unit and evaluating their performance on a periodical basis.
- Manage, administer and monitor utilization of credit facilities in corporate accounts and maintain the quality of risk assets.
- Conducting timely/ periodic review of credit files using various data, e.g. Financial Statements, ICRRS, Credit Rating, A/C Turnover, projections, account statistics, etc, preparation/ renewal of credit lines and presentation to appropriate authorities for approval and subsequently advise the customer and other operational units.
- Ensure timely documentation/ updates of securities, security valuations, renewal of insurance policies.
- Regularizing and following up on past dues, temporary accommodations/ excesses over limits.
- Supervision of all procedural work and submission of returns and other data related to the allocated portfolio.
- Regular visits to clients to monitor the business, liaison with owners/directors and ensure optimum channeling of business through the Bank.
- Cross sell Non Funded businesses, Treasury products and other fee based products.
- Negotiate terms and conditions and prepare credit applications for new loan facilities for Corporate Banking clients
- Present and defend Corporate Banking credit applications in the Credit Committee
- Provide regular credit reviews of Corporate Banking clients
- Review credit proposal from RMs prior to submission to CRM
- Ensure timely management reporting
- Ensure Risk Management & Operational Control of the Unit
- Mobilize new business (assets and liabilities) and cross sell Bank’s products.
- Monitors Non Performing Assets of the Bank and decides on appropriate strategies and plans for re-structuring/recovery
- Proposing and managing remedial solutions for – SMA- and classified accounts under the portfolio, with a view to monitor and regularize the accounts to prevent further provisions and progressive upgrades.
- Developing and grooming team members for additional responsibilities.
Job Qualification
- Bachelor degree in any discipline.
Additional Requirements
- Efficient management by identifying and resolving any performance issues to achieve goals and objectives.
- Control, distribution and monitoring of the departmental tasks
- Clear communication of strategies, plans and ideas to team members
- Ensuring awareness and adherence to all policies & procedures to uphold the brand image in corporate sectors.
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