Relationship Manager

Bank of China Turkey; Çankaya; On-site; TRY 600,000 - 900,000; Full time

Job summary

Bank of China Turkey seeks an experienced Corporate Banker to manage client relationships, credit limits, and financing solutions. You will coordinate with Treasury, Risk Management and Operations to offer tailored products and services across the client portfolio.

The role requires at least 10 years in corporate banking, excellent English and Turkish language skills, and strong data analysis/reporting abilities.

Qualifications

• Bachelor’s degree from a reputable university; Master degree is a plus.
• At least 10 years in a corporate banking role.
• Strong data analysis and report writing skills.
• Excellent communication skills.
• Ability to coordinate across diverse teams.
• Ability to work independently and in a team environment.
• Proficient in MS Office applications.
• Level 3 derivative license from CMB is preferable.

Responsibilities

• Open corporate client accounts by collecting KYC documents and updating records.
• Interact with clients for daily banking transactions and negotiate rates per transaction.
• Promote tailor-made solutions with Treasury, Risk Management and Operations; propose new products when needed.
• Negotiate terms and tariffs within Bank guidelines to reach optimal client solutions.
• Visit current clients and arrange meetings with prospects to expand the client base; prepare call memos.
• Collect necessary documents for credit limit establishment and prepare credit packages.
• Monitor creditworthiness and report quarterly post-loan management; take action if risks arise.
• Ensure compliance with laws, Bank policies, and internal procedures; maintain data quality in client files.

Skills

Corporate Banking experience

Data analysis

Report writing

Communication skills

Multicultural coordination

Team collaboration

English/Turkish proficiency

MS Office

Education

Bachelor’s degree

Master degree

Tools

MS Office

Job description

• To activate the relationships formed, by opening accounts for the corporate clients willing to work with Bank of China by first collecting all the necessary KYC documents and keeping them up to date
• To conduct the day-to-day communication with clients to address their daily banking transactions, negotiates the interest rates, commissions, and foreign currency rates according to the nature of the requested transaction within his competence level
• To promote and introduce tailor-made solutions for the clients with the support of relevant business units, including but not limited to, Treasury, Risk Management and Operations, in order to offer products and services with a particular know-how, proposing the launch of new products and services to the Bank in case of necessity
• To negotiate with clients within the Bank’s guidelines about terms & conditions, tariffs, complex funding needs and related solutions at a high level with a view to reach optimum solutions, and determining action plans towards the client with all concerned parties
• To make regular visits to existing clients and arranges meetings with new clients in order to increase the Bank’s client base; prepares call memos after each visit / meeting
• To collect all the necessary documents from the clients for credit limit establishment, inputs the financial data of the clients in the information system, prepares the credit packages and develops account plans based on the communication with clients
• To respond to the questions raised by the Credit Allocation Manager and committee during the credit evaluation and analysis stage, both via his/her own knowledge and information collecting process, and via conducting the inquiries with the customer and third parties
• To lead the internal approvals process including interface with related departments of the Bank as well as management and the Board
• Before utilization of the established credit limits, to ensure that all the legal documentation, the necessary contracts properly signed have been received by the Bank and all the collaterals approved in the Credit Limit Approval Form of the client are in place
• To monitor the creditworthiness of each client and to prepare quarterly post-loan management reports. In case, creditworthiness of clients deteriorates, informs the Department Head and the Management and takes necessary actions in order to minimize the credit risk together with the Department Head
• To follow the repayment schedules of the loans, reminds the clients about their due payments and makes sure that the loans, installments or interests are paid on time. In case, there is a delay, informs the Department Head and / or the Management immediately
• To follow the economic, political and market developments consistently, as well as the information released by his/her client portfolio through media, third parties, data sources and client contact
• To notify the Branch Manager and the Department Head and other relevant units via electronic mails or memos in case of negative news or developments related to clients
• To ensure well maintenance of client files, by keeping all data updated, including client calls, credit application packs, financial results and profitability data and so on
• To attend internal and external meetings as required, organizes trips related to business meetings with the approval of the Department Head and the Management
• To follow up the legislation related to his / her business lines, updates the procedures whenever necessary, and presents the changes to the Department Head and the Management
• To act as a backup for the other relationship managers in the Branch
• To comply with the Bank’s code of conduct, business and ethical rules strictly
• To maintain high quality communication and collaboration with his/her colleagues within the Branch and other units of the Bank, as well as Bank of China Head Office and its subsidiaries in various countries
• To perform his / her duties in strict compliance with the laws and legislation in force, the Bank’s policies and internal procedures; is responsible to work efficiently, to report any negligence and irregularities of the laws and regulations as required by the Bank’s policies and norms to the related and authorized departments/units/employees and to act according to their directions
• To perform any additional duties requested by the Branch Manager, Department Head and/or the Management of the Bank

Desired Skills & Experience

• Bachelor’s degree from a reputable university, Master degree is a plus
• A demonstrated background in a similar position within Corporate Banking line of the business for at least 10 years
• Having outstanding data analysis and report writing skills
• Strong communication skills is a must
• Effective coordination and communication skills to interact with professionals of different cultural backgrounds
• Ability to work independently and must be able to work effectively in a team environment
• Ability to manage multiple projects simultaneously
• Excellent verbal and written English and Turkish skills, Chinese is a plus
• Excellent knowledge on MS Office applications
• Having a Level 3 derivative license from CMB is preferable