Business Relationship Officer - SME Banking

About the role

The Business Relationship Officer cultivates and satisfies the banking needs of small and medium enterprise (SME) customers, expanding the portfolio of SME lending facilities and deposit accounts to generate new business. The officer also builds relationships with the directors and shareholders of SMEs and identifies opportunities for wealth management services tailored to their needs.

Key responsibilities

• Respond to audit exceptions, investigate them accurately and document them, escalating to the appropriate authority when needed.
• Provide end-to-end sales support, including site visits and account openings for existing and prospective SMEs and their directors/shareholders.
• Perform non-cash teller posting, balancing and file maintenance, and assist with the preparation, processing, recording and balancing of bonds and guarantees.
• Act as joint custodian of vault keys, combinations and treasury, and perform the branch lock-up and express service associate lock-up roles as required.
• Interview directors, shareholders and SMEs to create new business opportunities and meet assigned targets.
• Handle customer requests, enquiries and calls locally and internationally, escalating to the manager when necessary.
• Review the daily overdraft management report and follow up on delinquent accounts and exceptions, including recovery actions where applicable.
• Assess risks across the SME portfolio and identify opportunities for wealth management and electronic services, then refer them to the relevant departments.
• Conduct credit enquiries, credit scoring and credit proposals for SME credit facilities, and perform detailed financial analysis of new SME credit applications and annual reviews.
• Ensure security items are perfected and complete, and act as a financial advisor registered with TTSE for First Citizens Investment Services mutual funds.

Required profile

• Associate degree with six years of core financial analysis experience, of which two years at supervisory level.
• Strong supervisory, conflict resolution and team-building skills.
• Strong oral and written communication, time management and presentation skills.
• Interpersonal, marketing, cross-selling and interviewing skills.
• Ability to read, analyse and interpret complex financial documents and forms.
• Knowledge of the group's operating software systems, products and services.

Required skills

• Proficiency in Microsoft Office Suite.
• Financial analysis and credit assessment.