Graduate Trainee - Business Corporate Banking

The Programme

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Functional:

• Acquire new account relationships.
• Manage a portfolio of existing Commercial Banking Account relationship in order to grow both funded income and non-funded income.
• Manage a portfolio of accounts in order to provide value – added banking advice and customized financial solutions in order to optimize revenue generation from the portfolio.
• Write credit applications for new account acquisition and ensure timely review and renewal of existing accounts.
• Ensure acceptable asset quality of existing portfolio by being pro-active and up-to date in terms of market intelligence in relation to accounts and industry of portfolio managed.
• Work closely with product partners including Trade Services, HL Markets, and Deposit & Liability Management in order to meet financial and banking requirements of clients in a wholesome manner.
• Ensure that banking facilities offered to clients are structured in compliance with credit lending policies.
• Ensure that key risks of cases are adequately addressed by CAs before submission to WSB.
• To preserve the assets quality of the bank at all times.
• To monitor and encourage utilization of existing facilities under the portfolio in order to increase revenue.
• Close follow-up with clients to ensure acceptance of the Bank’s facilities and subsequent drawdown. 

Account Prospecting:

• Identifying and contacting prospects.
• Evaluating prospects financing needs.
• Assessing and putting up Credit Applications to Wholesale Credit.
• Preparing and following up of acceptance of offer. 

Account Management:

• Monitoring utilization.
• Processing ad-hoc requests.
• Processing requests for additional facilities.
• Reviewing annually or periodically borrower’s facilities.
• Keep in contact with Customers e.g., through site visitations etc.
• Exploring cross-selling opportunities. 

Others:

• Meeting business targets set via KRA.
• Submitting timely management reports to HO.
• Providing hands-on training and guidance to subordinates (if any).