Relationship Manager,CMO,Corporate

4 days ago

Cairo, Cairo, Egypt HSBC Full time 48,000 - 129,000 per year
Job Description: The role holder will proactively support Global Relationship Managers enabling them to deliver best in class service to existing and prospective customers. The role holder will provide extensive support and is accountable for oversight and hands-on delivery of various activities including"
  • End-to-end credit application process including, preparation of credit applications based on thorough analysis of the financial reports, research and other data sources / market intelligence.
  • Supporting Relationship Managers on credit related operations.
  • Facilitating timely execution of facility offer letters and draw downs.
  • liaising with onshore/offshore credit, service delivery and product support teams.
  • Managing customer interaction on perfection of securities, mandate documentation.
The role holder is responsible to ensure high levels of credit proposals quality and timely security documentation acting as a catalyst for delivery of expected contribution towards Annual Operating Plan and improved client engagement scores. The role holder is also responsible for consistent execution of controls for effective risk management from a legal, compliance, operational and reputational perspectives. The role holder will closely work with Global Relationship Managers on varied set of activities in essence maximizing the client facing time for latter.  The role holder will operate within the Bank's risk and operational guidelines and is responsible for ensuring that organizational standards are maintained and that the Banks policies and procedures are adhered to in order to mitigate risk. The role holder will also take responsibility for dealing with all aspects of clients' renewal applications and working on ad hoc projects including (but not limited to): concern lists, sector analysis, client portfolios and others as required. The role holder is also responsible on all aspects of risk analysis, monitoring and implementation of controls. The role holder is accountable for functional delivery of the Client Service Unit mandate in accordance to all relevant HSBC's policies, procedures and guidelines and will ensure their consistent application across the full suite of products and services offered to Commercial Banking customers. The role holder will achieve deliverables, both personally and through the team, in cognizance of the associated legal, compliance, regulatory and reputational risks and absolute efficacy of the control measures to eliminate/mitigate all such risks while optimally managing the positive customer experience. Principal Accountabilities:
  • Accountable for delivery of exceptional customer experience both for existing and prospective customers across credit risk disciplines through the Client Service Unit. 
  • Attend client meetings as necessary with Relationship Managers.
  • Keeping up-to-date on knowledge of HSBC's capabilities, specifically the full spectrum of commercial banking products, services and solutions offering.
  • Keeping abreast of external factors influencing business e.g. economic, cultural, geographical, procedural and regulatory requirements.
  • Deliver all relevant aspects of the annual operating plan including the revenue targets, with specific emphasis on recognition, monitoring and mitigation of both operational & credit risk
  • Adopt and ensure fully effective utilization of all tools and systems provided by the bank to assist in risk management, service and sales delivery, avoiding any reliance upon manually created sales MI
  • Ensure teams across Client Service Unit accurately identify and meet customer needs delivering outstanding levels of customer service
  • Take a hands-on approach to activity and performance management
  • Improve credit quality by minimizing impairments thus leading to higher shareholder returns
  • Initiate & monitor Performance Improvement Plans
  • Provide honest, constructive and timely feedback to staff to drive a high performance culture.
  • Ensure timely and reliable provision of defined support to Relationship Managers across credit risk and client management disciplines.
  • Lead and manage high levels of constructive engagement with all relevant stakeholders, viz., product partners, Service Delivery, Compliance, Legal, Audit, Regional Portfolio Mgmt, etc.
  • Improve customer satisfaction and engagement.
  • Ensure 'Treating Customers Fairly' (TCF) and consider fairness in all aspects of strategy, product design & delivery, sales processes, customer literature & correspondence, financial promotions, administration and complaint handling.
  • Maintaining excellent communication with Group colleagues to ensure a joined up approach to identifying cross border opportunities where these meet customer needs.
  • Take personal ownership of the customer experience and ensure all team members take personal responsibility for managing their customers' total relationship with HSBC.
  • Ensure clarity and accuracy when conveying information to colleagues, seniors, line management and all relevant stakeholders.
  • Coordinate and contribute to meet wider team goals within deadlines.
  • Share best practices with team members and develop skills
  • Ensure effective and continuous dialogue within the team.
  • Demonstrate courageous integrity
  • Assist and share responsibility for department wide responsibilities
  • Adhere to all necessary risk, credit and operational procedures
  • Adhere to structures and processes in place for the management of credit, operational, reputation and regulatory risk.
  • Ensure credit and operational quality is not compromised in pursuit of revenue and profitability targets Ensure operational losses and fraud are minimized
  • Respond within agreed timelines to issues raised by audit and external regulators.
  • Ensure timely and accurate maintenance of customer information, including Know your customer requirements in Group systems
  • Resolve any/all identified issues promptly and escalate concerns to senior management as appropriate to ensure timely awareness of any material concerns.
  • Maintain and observe all HSBC control standards and implement and observe the Group Compliance Policy, including the timely implementation of recommendations made by internal/external auditors and external regulators.
  • Maintain awareness of operational risk within assigned segment and minimize the likelihood of it occurring including its identification, assessment, mitigation and control, loss identification and reporting.
  • Protect sensitive customer and bank information by ensuring documents, computers, files, and all confidential matters are appropriately handled as set forth by policy. 
  • Maintain and observe all HSBC control standards and implement and observe the Group Compliance Policy, including the timely implementation of recommendations made by internal/external auditors and external regulators.
  • Compliance with and management of sales suitability risks and requirements
Qualifications: Knowledge & Experience / Qualifications
  • Proven ability, with a successful record of accomplishment in risk management, operational and regulatory, credit analysis and judgmental lending
  • Knowledge of the Commercial Banking market both globally and specifically relating to the local environment, including the competitive landscape, with a detailed knowledge of competitor propositions.
  • Honed analytical skills, with a strong emphasis on credit and operational risk
    •Visible and motivational leadership, ability to influence others
  • Excellent interpersonal skills, with a particular emphasis upon inspiring, influencing and negotiating in dealing with customers and colleagues
  • Ability to effectively plan and organize, with tenacity to drive through results
    •Innovative with a flair for solving problems
  • Holds the credit course with minimum of 5 years banking experience preferably in Commercial Banking
  • Deliver fair outcomes for our customers and ensure own conduct maintains the orderly and transparent operation of financial markets.

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