Associate Director, Coverage

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JOB PURPOSE : To develop and maintain relationships with an assigned client portfolio of clients through understanding the clients' requirements, close collaboration with other teams such as Products Teams, Group Credit, Treasury and Global Markets Group, etc. and recommending suitable solutions / sophisticated products and services to the Head of CMB for feedback and approval. The role holder is also responsible for ensuring delivery of high quality of service to the clients while meeting the client requirements and enabling client satisfaction. Key Accountabilities

Client and Market Analysis : Participate in the financial analysis conducted on clients and their respective industries / markets to identify potential opportunities and risks. Client Relationship Management : Visit and provide continuous support to clients in order to satisfy their daily transactional requirements, enquiries, and documentation needs. Coordinate with other sub-departments / departments on credit / facility requests to ensure clients’ requests are met on-time. Assist the coverage banker / team in making some basic calls to clients and following up with them on the services provided by FAB and any other requirements as directed by the Head of CMB or Executive Directors / Directors, in order to build capability of the CB sub-department. Review facility documents and follow-up with clients to ensure that they submit renewed or missing documents on-time. Convey potential client acquisitions to Head of CMB or Executive Directors / Directors while providing them with clients’ needs and the conducted due diligence in order to conduct credit assessments / appraisals and pass them for approval. Work closely with the Client Service team to guarantee the highest quality of service to the clients in the portfolio. Aim to achieve individual and team financial performance targets. Identify & develop cross selling opportunities and increase the cross-sell ratio with key clients. Ensure Account Plans are prepared and maintained for all key clients. Keep client files / documents up to date and maintain compliance with documentation requirements. Ensure all credit reviews are submitted on time and agreed conditions are met. Adhere to process KPIs and ORM, BCP & Internal Audit requirements. Day-to-Day Activities

Assist the Head of CMB or Executive Directors / Directors in day-to-day administrative and transactional activities such as client calls, documentation follow up, updating pipeline, and other activities to ensure continuity of work and high-quality outputs. Manage KYC and compliance requirements to align with the Bank’s KYC and AML policies and regulatory requirements. Credit Approval

Collect credit requests and documents from the clients in the portfolio and conduct initial analysis to check plausibility against preliminary rejection criteria and submit necessary documents to Group Credit to facilitate the credit analysis and approval process. Assist Group Credit in the development of the CAs through provision of relevant client documents and inputs, and review them to ensure quality and completeness of all CAs before approval. Ensure the quality of the credit portfolio by assisting in reviewing proposals and identifying and assessing all risks inherent in credit exposures. Internal Collaboration

Develops a close working relationship with all departments including Product partners (Debt Markets, Global Transaction Services, Islamic Banking, Corporate Finance, and Treasury & Global Markets Group) in order to contribute to cross selling opportunities. Policies, Systems, Processes, and Procedures

Follow all relevant sub-departmental policies, processes, standard operating procedures, and instructions so that work is carried out in a controlled and consistent manner. MIS and Reports

Assist in the preparation of timely and accurate statements and reports to meet the unit’s requirements, policies, and standards. Bachelor’s degree in Finance or related discipline. Master’s degree in Business Administration is preferred. Knowledge, Skills, and Attributes

Knowledge of the banking sector, and FAB’s products and business strategies Ability to work under pressure and adjust quickly to changing priorities Computer proficiency Ability to analyse and research information Banking software systems proficiency Data analysis and financial modelling skills Credit analysis and FOREX skills 2 – 4 years of experience in banking or a similar area Seniority level

Mid-Senior level Employment type

Full-time Job function

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