Corporate Loans Relationship Manager[SME Loan experience/commercial banking, SME lending, or re[...]

Linkedcorp HR Consultancy; Singapore; On-site; SGD 80,000 - 100,000; Full time

Job summary

A financial services firm in Singapore is seeking an experienced professional to manage and grow relationships with SME clients. You will be responsible for conducting credit assessments, structuring loans, and providing financial advisory services. The ideal candidate has over 4 years of experience in commercial banking with a strong background in SME lending and relationship management. Excellent communication and negotiation skills are essential.

Qualifications

• Minimum 4 years’ experience in commercial banking or SME lending.
• Proven track record of managing SME loan portfolios and achieving lending targets.
• Strong communication skills to build rapport with clients.

Responsibilities

• Build and maintain relationships with SME clients.
• Identify lending opportunities and conduct credit assessments.
• Manage SME loan accounts and monitor performance.

Skills

Financial analysis

Client relationship management

Negotiation skills

Networking

Job description

Job Description & Requirements

• Build and maintain relationships with small and medium-sized enterprise (SME) clients, understanding their financing needs and business objectives.
• Act as the main point of contact for SME clients, addressing inquiries, concerns, and requests promptly and effectively.
• Develop a deep understanding of clients' businesses, industries, and market dynamics to provide tailored financial solutions.
• Source and identify new lending opportunities within the SME segment, including prospecting and lead generation activities.
• Conduct comprehensive credit assessments and risk analyses for loan applicants, evaluating their creditworthiness, financial stability, and repayment capacity.
• Structure and negotiate loan terms and conditions in accordance with lending policies, regulatory requirements, and risk management guidelines.
• Manage a portfolio of SME loan accounts, monitoring loan performance, repayment behaviour, and compliance with loan agreements.
• Proactively identify and address potential credit risks or delinquencies, implementing appropriate remedial actions as necessary.
• Work closely with internal stakeholders, such as credit analysts and legal teams, to ensure timely and accurate loan documentation and processing.
• Provide financial advisory services to SME clients, offering insights and recommendations on business growth strategies, cash flow management, and capital allocation.
• Assist clients in preparing loan applications and supporting documentation, guiding them through the loan approval and disbursement process.

Requirements

• Minimum 4 years’ experience in commercial banking, SME lending, or relationship management, with a focus on business development and credit analysis.
• Demonstrated track record of successfully originating and managing SME loan portfolios, achieving lending targets, and mitigating credit risks.
• Strong financial analysis skills, including the ability to evaluate business financial statements, assess credit risk factors, and perform cash flow modelling.
• Familiarity with credit underwriting standards, loan structuring techniques, and risk mitigation strategies in the SME lending context.
• Excellent communication and interpersonal skills, with the ability to build rapport with clients, understand their needs, and negotiate effectively.
• Ability to convey complex financial concepts clearly and concisely, both verbally and in writing.
• Strong networking skills and the ability to cultivate relationships with key stakeholders in the SME community, including business owners, industry associations, and referral partners.