Associate Director, Medium Enterprise, Sme Banking

Job ID: 32891

Location: Singapore, SG

Area of interest: Retail Banking

Job type: Regular Employee

Work style: Office Working

Opening date: 14 Jul 2025
- Job Summary- We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.
To us, good performance is about much more than turning a profit. It's about showing how you embody our valued behaviours - do the right thing, better together and never settle - as well as our brand promise, Here for good. We're committed to promoting equality in the workplace and creating an inclusive and flexible culture - one where everyone can realise their full potential and make a positive contribution to our organisation. This in turn helps us to provide better support to our broad client base.**Purpose**
- To achieve agreed individual financial and non-financial targets by acquiring, growing and retaining profitable Medium Enterprise customers within acceptable risk parameters with a focus on Network Business.
- Contribute toward achieving team's overall target and delivering optimal portfolio return.
- Collaborate and build effective partnerships with other Relationship Managers, Credit Analysts, Team Managers, Segment Heads, as well as colleagues in CDD teams and partners in Risk, Compliance, other support functions, and Product.

**Business**
- Achieve individual financial and non-financial targets while contributing towards team’s overall deliverables through:

- effectively generating new business - identify prospects and convert in line with the Bank’s appetite
- strategically formulating account plan - provide clients needs-based solutions, structure appropriate credit facility, and execute various banking transactions
- proactively building trusted client relationships - maintain a portfolio of active and growing customers
- Market and sell broad range of products including Trade Services, Lending, Cash Management and Wealth
- Work closely with credit team to ensure good quality lending decisions are made; to ensure the strict adherence to the prevailing EAR / credit policy
- Implement agreed business plan to achieve sales/ revenue targets
- Generate creative ideas on customer acquisition and products/ services
- Regularly feedback to Team Manager and peers on new and anticipated financial and service needs and recommend appropriate improvements to processes
- Maintain a high level of professionalism in client engagement, internal stakeholder management and other business conduct

**Processes**
- Drive continuous improvement of the operational efficiency and effectiveness of processes to increase the consistency of systems and processes.
- Support the framework for effective management of operational risks across the Business and compliance with applicable internal policies, and external laws and regulations at a global level.
- Support the execution of Business strategy in a safe and well-controlled manner and on an end-to-end basis - incorporating infrastructure requirements and ensuring that they are fit-for-growth.
- Conduct regular and timely customer due diligence (CDD) reviews
- Ensure CDD profiles are error free for timely sign off
- Follow and comply with AML CDD policies and procedures where applicable
- Identify KYC issues, provide solution or escalate to Line Manager if necessary
- Ensure internal / external KYC requirements are adhered to AML CDD policies and procedures
- Timely handling of customer issues, complaints, and product enquiries in accordance with established procedures
- Skills and Experience- University Graduate
- Over 5 years of relevant experience in serving business/commercial/corporate clients and track record in new to bank client acquisition.
- Excellent financial analysis skills and ability to assess client credit worthiness and key risk considerations / mitigations
- Sound product knowledge on Trade, Cash Management, Lending and FX and strong understanding of local industries, supply/value chains and market environment
- Knowledge of operational procedures, documentation requirements, banking practices and regulations related to commercial banking
- Firm in all business guidelines and compliance issues
- Sound knowledge of wealth products.
- Proficiency in Mandarin is preferred, as the role will require regular interaction with clients in China
- Experience servicing international businesses under the cross-border context and track record in new to bank client acquisition.

**Role Specific Technical Competencies**
- Client Acquisition Experience
- Region Specific Client Networks & Experience
- Technical knowledge and expertise in consumer banking products (i.e. Treasury, Equities, Funds, Insurance, etc)
- University Graduate
- Over 5 years of relevant experience in serving business/commercial/corporate clients and track record in new to bank client acquisition.
- Excellent financial analysis skills and ability to assess client credit worthiness and key risk consider