Senior Relationship Manager

Summary

The Senior Relationship Manager is a vital role within the Corporate & Commercial Finance division, responsible for overseeing a portfolio of significant corporate clients. This position focuses on cultivating new strategic partnerships, driving revenue expansion, and ensuring robust risk management practices. The incumbent will serve as a primary advisor to clients, delivering bespoke financial solutions that align with Finance House's strategic goals and regulatory mandates.

Major Responsibilities

• Manage and expand a dedicated portfolio of corporate and commercial clients.
• Cultivate enduring, trusted client relationships through proactive engagement and advisory services.
• Conduct regular client meetings to ascertain evolving business requirements and propose suitable financial solutions.
• Enhance client satisfaction and retention by delivering exceptional service and guidance.
• Achieve assigned business objectives, including revenue targets, portfolio growth, and profitability.
• Proactively identify and capitalize on new business prospects within target industries or sectors.
• Promote and cross-sell a comprehensive suite of products, including lending, deposits, trade finance, retail offerings, and insurance.
• Maximize client wallet share and deepen relationships through strategic sales efforts.
• Perform detailed credit assessments and financial analyses for both new and existing clients.
• Prepare and present credit proposals in adherence to internal policies and regulatory guidelines.
• Monitor portfolio performance and identify potential risks for mitigation.
• Ensure timely completion of credit reviews and maintain high-quality standards.
• Collaborate with internal departments such as Credit, Risk, Treasury, Legal, and Operations for seamless client service.
• Lead discussions on deal structuring, pricing, and credit solutions with product and credit support teams.
• Mentor and guide junior relationship managers or support staff as needed.
• Ensure clear communication of service standards and client needs to internal teams.
• Maintain current knowledge of market dynamics, industry trends, and regulatory changes.
• Provide client and market insights to leadership to support strategic planning.
• Represent Finance House at industry events and client functions to boost visibility and networking.
• Keep clients informed about Finance House's offerings, market shifts, and compliance requirements.

Skills and Competencies

Technical Proficiency

• In-depth understanding of corporate banking products, loan structuring, and financial instruments.
• Proficiency in credit analysis, documentation, and regulatory frameworks (e.g., KYC, FATCA, AECB).
• Strong grasp of banking laws and compliance standards.

Qualifications & Experience

• Bachelor's degree in Finance, Banking, or a related discipline.
• A Master's degree or professional certification (e.g., CFA, CA) is advantageous.
• Minimum of 10 years of professional experience in the financial services sector.
• At least 6 years in banking, with a minimum of 3 years focused on corporate or commercial lending and client relationship management.