Assistant Relationship Manager III (40001643)Ngân hàng Thương mại Cổ phần Kỹ Thương Việt Nam (Techcombank)

The job holder will support the development and management of relationships with new and existing corporate clients. He will be responsible for coordinating and assisting RM in consulting and providing products and services to clients, conducting credit assessments for simple loan applications (according to programs/offerings/products issued at each period), receiving and managing collateral, managing the status of assigned clients including risk management, post-credit/non-credit monitoring, and service quality management to achieve the assigned corporate customer segment business objectives.

Key Accountabilities (1)

1. Customer Insight

- Collaborate with RMs to Research/collect information, judgments, sources of potential customers (leads), competitive banking products... to help RMs understand the characteristics and needs of customer segments/sub-segments key segment is assigned.

- Collaborate with RMs to Research/collect customer information before approaching to understand the characteristics of production and business activities, organizational structure; market characteristics, needs, financial products that customers/customers group are using at other banks/credit institutions...

- Collect, analyze, evaluate information about existing customers, operations/methods/business plans, financial statements, ... to understand customers, needs, able to quantify the value brought to customers so that RMs can build, advise on business plans for customers

- Collaborate with RMs to complete the customer identification report according to regulations from time to time

2. Product and Pricing

- Understand and Continuously update product knowledge, features, benefits, selling points and related policies to work with RMs to propose solutions for customers: standard service products, SP packages, business programs. (CTKD) includes deposit, credit, service, trade finance, foreign exchange, derivative products, and other products for MM & USME customers in accordance with TCB's regulations from time to time.

- Actively participate in building products, solutions and pricing policies for customers with Head Office departments.

3. Sale and Service

3.1. Support for RMs in establishing and developing relationships with new and existing business customers.

- Guide customers to provide documents, print and prepare relevant documents before, during and after meeting with customers

- Assist in booking appointments and arranging meetings with customers

- Support contact with related product consulting departments to help RMs complete and deploy the solution to customers

- Collecting documents of customer

- Make a proposal for products/solutions and pricing policies for customers

- Together with RMs to propose financial solutions for customers.

- Make a plan to monitor credit limit for renewal and coordinate with related departments to determine priority level for each customer.

- Collaborate with RMs & related stake holder to implement the solution based on TCB's direction, monitor the effectentcies of implementation & provide feedback to Optimal Solulations team for suitable adjustment.

3.2. Customer care

- Implement quality commitments (TATs / SLAs) of positions in the process to increase customer experience and satisfaction at TCB.

- Collect customer feedback in the portfolio and urge, track the processing process, and reflect to RMs to promptly solve problems.

- Evaluate and propose improvement solutions to increase customer experience and satisfaction at TCB

Key Accountabilities (2)

4. Risk Management

4.1 Credit Risk Management

- Collecting records, documents; checking, monitoring and updating relevant information about the Customer, the customer's business situation... in order to serve the management, post-monitoring and customer care

- Prepare credit appraisal report, agree with RMs to give suggestions for credit extension with the the simple credit profile

- Conduct post-credit supervision according to regulations.

- Actively conduct actual appraisal of customers, monitor business activities, analyze reports, detect early warning signs of risks to help RMs be proactive in effectively managing customers

- Identify early warning signs, manage debt collection process, debt reminder for customers, handle bad debts arising and follow the instructions / risk handling directions.

4.2 Operation risk management

- Understand, implement, interpret, apply and adhere to the regulations on operational risk management

- Proactively identify, evaluate operational risks and make recommend the solutions to your line manager/head office

Key Accountabilities (3)

5. Operation

- Conduct operating tasks according to regulations, absolutely comply with regulations, processes, instructions ... related.

- Understand and properly execute operating procedures (including forms) of products for SME customers.

- Proficient use of tools and programs in operation (T24, ECM, BPM, BCDE ...)

- Proactively evaluate/recommend operational process improvement to direct management/HO

6. Organization and personnel

- Develop yourself to fulfill your role and adapt to work-related change with career road map for RMs role.

- Closely cooperating with related positions, towards the common goal of the unit and the bank.

7. Effective management

- Support RMs to manage credit quality of assigned customer portfolio according to the instructions and regulations of TCB.

- Strictly manage the performance results of the targets compared with the assigned target.

8. Other jobs

- According to the direction/request of the bank or as assigned by the direct leadership from time to time

Key Relationships - Direct Manager

Director/ Segment Head

Key Relationships - Direct Reports

N/A

Key Relationships - Internal Stakeholders

CIBG Division; Risk Management Division, DA division, GTS Division, Otps Division, CA Division, HR...

Key Relationships - External Stakeholders

Corporate customers, local government, competitors,...

Success Profile - Qualification and Experiences

Degree: University degree. Specialization in Foreign Trade / Economy / Finance / Banking is preferred

Experience: Minimum 8 years in the field of sales / sales support for corporate customers.

English : At the request of the Bank from time to time