Business Development Manager

**Position 2: Business Development Manager (SME Loans)**

We are looking for a dynamic and results-driven **Business Development Manager** to help our client expand their customer base and drive business growth. In this role, you will be the face of the company, responsible for identifying new business opportunities, developing strategic sales plans, and building strong client relationships. Your goal will be to boost sales, enhance market presence, and contribute to long-term financial success. If you have a passion for sales, excellent communication skills, and a proven track record in business development, we’d love to hear from you
- 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.

**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.

**Other Details**:

- Working location: Chinatown
- Working hours: 5days and 9:30am-6:30pm
- Contract duration: Full time, Permanent
- Salary package: $3.5K and above (Depending on experience and Sales KPI, the higher the basic the higher the KPI)
- Commission : Monthly commission
- Benefits: Medical and Dental benefit after probation
- Leaves: 14 days Annual leave and all other government paid leaves whenever applicable
- Bonuses: Performance bonus and Annual salary review

Dalip Kaur (Reg. No. R1108541)

NVK Global Talent Pte Ltd (EA Lic. No. 23C1868)

**Job Types**: Full-time, Permanent

Pay: $3,500.00 - $5,500.00 per month

**Benefits**:

- Dental insurance
- Health insurance

Schedule:

- Monday to Friday

Supplemental Pay:

- 13th month salary
- Yearly bonus

Work Location: In person