တိုင်ကြားမှု အောင်မြင်ပါသည်

ROLE PURPOSE  

This SME Banker will be leading and executing Yoma Bank’s SME banking business Strategy with a view to achieve targeted revenue budgets.

To work towards achieving stakeholder’s business objectives by offering a variety of SME banking services and solutions, including but not limited to transaction banking services, cash management, loans, trade finance and treasury services.  

KEY RESPONSIBILITIES  

• Being responsible for managing a decent portfolio size (Loan/Deposit Accounts) as well as expanding new client base through referrals internally (branches, corporate or sales teams) or cold calling. 

• Providing a complete and comprehensive banking solutions (Deposit Product, Structured Credit Solutions, Trade Financing etc.) by understanding the client’s nature and cash flow condition of the business, and level of risk. 

• Knowing customers’ needs, wants and expectations in a timely manner 

• Maintaining an effective calling program to approach existing customers, new prospects, and referral sources. 

• Providing advisory service for customers to be a successful business, linking them to other business, helping customers to meet with the bank’s credit policy in their financing needs for business expansion. 

• Educate SME Loan product, updated policy and procedure to other sales teams and branches 

• Be responsible for processing SME loan applications (Document Collection, Validation, Loan Appraisal- if necessary) 

• Work closely with branches, Lending support team and risk team to process the SME financing cases.   

• Maintain a detailed and current understanding of the industry, current market structures, regulatory requirements, and issues to ensure that opportunities are realized, and the risks mitigated. 

• Serve as a mentor of other less experienced Junior Relationship Managers as they develop the understanding of credit underwriting, whole cycle of loan processe, negotiation, and cross-sell skills/techniques and relationship building with key stakeholders in the banks (Lending support team, Risk and Branches). 

• Implementing field visits to SME clients.  

• Lead and organize any events or activities related to the SME Customers on-boarding. 

• Monitoring Past-Dues Delinquent Loan Report and take any required action, after consulting with Line Manager. 

• Keeping abreast with Respective Product Owners to get updated product information and to inform the client accordingly. 

• Bachelor’s degree in Business, Economics or Finance is preferred 

• Professional Certifications strongly preferred 

• At least 3 years’ experience in related field. 

• Ability to work under pressure, challenges and ad-hocs assignments 

• Communicate well and make relationships work 

• Good local relationship with local business communities 

• Good knowledge of local regulatory environment 

• Drive Service Excellence 

• Strong sales and relationship management skills 

• Good understanding of lending and deposit products  

• Make informed decisions 

• Manage change and plan effectively 

• Manage compliance and risk 

• Proficient use of Microsoft Office Suites (Words, Excel, Visio, PowerPoint) 

• Working proficiency in Myanmar and English