JOB OVERVIEW

In summary, the Relationship Manager is responsible for achieving loan sales targets by building relationships with loan prospects, handling loan applications, managing loan disbursements, conducting loan reviews, and overseeing collections. This Relationship Manager will handle larger loan amounts.

JOB DUTIES & RESPONSIBILITIES

• The Relationship Manager is responsible for achieving the loan sales target as well as other KPIs required by their line manager and the Bank.
• Promote the bank’s products and services to the targeted customers.
• Obtain consent for data sharing and credit bureau checks. Process loan applications by communicating with customers and collecting required information and documents.
• Analyze customer qualifications, including repayment capacity, collateral, and purpose of loan use. Then, prepare a credit proposal to be submitted to the Credit Assessment Department for review and approval. If the customer is disqualified, RM will reject the loan application.
• If the loan application is approved, the Relationship Manager (RM) will communicate the pre and post-disbursement conditions and facilitate the loan disbursement process.
• Conduct a loan review in a timely manner as required by credit policy and procedures.
• Follow up with customers who have not made their payment on time and take necessary steps or actions to minimize credit risk.
• Produce reports to analyze the sales pipeline and loan performance.
• As a customer service representative, it is essential to handle customer complaints promptly and take appropriate actions to resolve them. It is crucial to listen carefully to the customer’s concern, empathize with their situation, and provide a fair solution that meets their needs.
• One or more Assistant Relationship Managers may support the Relationship Manager who will take on a managerial role.
• Performs any related tasks assigned by the line manager and the bank.