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Relationship Manager

A Relationship Manager is being sought by a leading provider of trade finance. 

Responsibilities: 

  • Business development effort within the Maltese market; 
  • Supporting the development of credit approval documents including full review of company background, financials, financial analysis, solution structuring and documentation, analysing risks; 
  • Supporting the end-to-end implementation of a deal which includes onboarding, coordination with different areas of the bank, documentation and security; 
  • Assisting in planning the portfolio growth through the development of a business plan in alignment with the department budget and consistent with the overall bank asset / liability management objectives; 
  • Developing and maintaining the relationships with contacts / customers to maintain and expand business for a business pipeline and customer database; 
  • Pre-qualification, structuring and pricing of all facilities in his/her designated areas; 
  • Ensuring safe running of the client facility and adherence to all compliance and regulatory control requirements.  Follows-up on exceptions to ensure timely clearing and implement prompt corrective action in line with policy, teamwork and guidelines; 
  • Reviewing facilities performance and profitability analysis and outlines strategies to ensure optimal portfolio profitability; 
  • Coordinating with various stakeholders and departments in servicing routine transactions, portfolio maintenance and solving customer queries, including follow-up of transactions (disbursement and settlements), customer onboarding, reviews, facility letters, etc; 
  • Keeping abreast of industry, competition, financial markets and other changes that may impact their portfolio or department. 
     

Requirements: 

  • Professional qualification in Banking or Finance; 
  • 5+ years of corporate banking experience within the Maltese & International market: direct client management, lending, credit support, or similar industry related experience specifically targeting commercial loans; 
  • Deep knowledge of the Maltese & International corporate market and able to originate a strong client base; 
  • Proficiency in credit underwriting fundamentals and prior credit experience analysis including full financial and credit analysis. Formal credit training preferred; 
  • Excellent product (local corporate) knowledge with the ability to support FIM in its market positioning efforts, whilst contributing to adjusting our local framework with full awareness to inherent risk and potential reward balance;   
  • Strong relationship skills and able to build a profitable and safe portfolio from ground up; 
  • A pro-active approach and strong communication skills to convey the banks strength, ideas and information effectively to a wide range of diverse audiences; 
  • Full knowledge of all lending and banking products such as Term Lending, RCF, Project Finance and FX as well as all working knowledge of compliance regulations; 
  • Knowledge of trade finance products and working capital facilities 
  • The ability to work independently on origination and closure end to end including Credit analysis, credit application completion, documentation supervision and closure; 
  • The willingness and ability to work on a hands-on basis end to end to bring a deal to closure and careful management of the relationship; 
  • The ability to partner well, i.e., maintain solid positive and productive internal relations with support functions, credit executives, senior management, middle-office and legal etc 
  • To work effectively under pressure and to achieve set targets; 
  • Strong verbal and written communication skills in English and Maltese. 

Package:  

  • Health, life and personal accident insurance cover; 
  • Mortgage & personal loan interest subsidy; 
  • Pension plan; 
  • Commuting and parking allowance; 
  • Study support scheme; 
  • Fitness allowance; 
  • Child care allowance