- The Assistant Relationship Manager (ARM) works with allocated Relationship Managers (RMs) to originate, structure and service Mid-SME customers & portfolio. The ARM jointly with RM carries the credit preparation, documentation, portfolio monitoring and customer service load of the paired portfolio. The role is also a primary development pipeline for future Relationship Managers.
Business Origination and Growth
- Support the paired RM in meeting targets for customer acquisition, deposits, asset growth, fee income and cross-sell.
- Prospect and qualify leads from branches, referrals, ecosystems and the Bank's partnerships, and maintain an accurate pipeline.
- Prepare customer meeting packs, proposals and pricing for RM review.
- Identify cross-sell opportunities across trade finance, treasury, insurance, cash management and digital channels.
Credit Preparation and Portfolio Management
- Gather financial statements, KYC and security documents, and prepare credit applications and appraisal memos for RM review, to the Bank's credit standards.
- Analyse customer financials, including cash flow, DSCR and gearing, and highlight key risks and mitigants.
- Track facility conditions, covenant compliance, renewals, reviews and security perfection on the paired portfolio.
- Monitor account conduct, arrears and early-warning triggers daily, and follow up with customers promptly.
- Support recovery and restructuring actions on stressed accounts with the RM and Credit.
Customer Service and Operations
- Serve as the day-to-day contact for customers on queries, disbursement, documentation and account maintenance.
- Coordinate with Credit, Operations, Legal and Trade teams to meet agreed SLAs.
- Resolve customer complaints and escalate unresolved issues to the RM and Cluster Manager.
- Work with Branch Managers and Relationship Officers to convert branch referrals into Mid-SME business.
- Provide guidance to branch teams on Mid-SME product requirements and documentation.
Governance and Compliance
- Comply with credit policy, KYC/AML, operational risk and data protection requirements.
- Keep CRM, pipeline and portfolio records accurate and up to date.
- Submit timely activity and performance reports to the RM and Cluster Manager.
- Perform any other duties assigned by the Cluster Manager.
Academic & Professional Qualifications
- Bachelor's degree in a business-related field.
- Progress towards a professional qualification (CPA, ACIB or similar) is an added advantage.
- At least 3 years' banking experience, including at least 2 years in credit, SME or commercial banking.
- Demonstrated ability in credit analysis and preparation of credit memos.
Key Competencies and Skills
- Strong financial analysis and credit judgement.
- Attention to detail, with accurate and timely documentation.
- Good communication and customer service skills.
- Planning and organising skills, with the ability to manage multiple deadlines.
- Teamwork, and willingness to learn from and support the paired RM.
- Initiative and ownership of assigned accounts.
Last date to apply 30 Oct 2026