中小企业客户经理面议

工作范围：
拓展本地中小企业业务，充分了解中小企业市场发展情况，为中小企业客户提供更好的服务，突出销售重点。

Scope of Role:
Driving business targets of the Business Banking segment. Keep abreast with Business Banking market developments to achieve better customer service and sharpened sales focus.

主要职责与挑战：
· 通过有效管理现有中小企业客户资产组合从而完成业绩与指标；
· 通过为客户提供量身定制的金融方案以满足客户需求，与客户建立紧密合作；
· 通过深入研究客户需求，延伸以及拓展现有客户关系；
· 通过对潜力客户提供优先服务激发收益最大化；
· 通过销售中小企业金融现有产品和新产品，开发新客户，并交叉销售其他零售银行产品；
· 识别业务监控、测试，并报告审计发现、例外情况以及结果；
· 通过审阅客户信贷申请、收集并分析财务数据等相关数据能够对客户的贷款申请做出基本的信用判断；制定和商榷信用建议书和批准申请的条件；
· 管理现有中小企业客户资产组合，通过提供全方位的银行服务完成分配的业绩指标；
· 监测以及确保严格执行中小企业客户尽职调查 ；
· 在集团合规指引以及监管部门政策下开展业务；
· 紧跟中小企业市场最新发展动态，结合产品及服务的更新升级，给予总部管理层反馈以确保总部产品部门能够作出及时的产品更新；
· 能够完成直线经理分配的临时目标及任务，为部门的顺利运作提供适当和必要的支持；
· 负责实施各项反洗钱的要求并且确保符合反洗钱的合规要求；
· 充分了解案件防控的重要性，防范案件风险，确保职位安全稳定的运行，严格遵守部门管理办法，确保完成相关培训并在日常工作中严格遵守相关法律法规；
· 充分了解客户权益保护的重要性，防止损害客户利益，完成有关客户权益保护的相关政策要求， 确保完成相关的培训，并在日常工作中时刻将将客户权益放在心中。

Key Responsibilities/Challenges:
? Ensure customer portfolio are well managed to deliver business performance and achieve targets
? Maintain close relationship with Business Banking customers in providing solution based initiatives to meet their needs.
? Build and expand existing customer relationship through in-depth analysis of their needs.
? Priorities activities to maximize revenue contribution from the high potential customers.
? Acquire new business via outselling of existing/new Business Banking products to SMEs, and cross-sell other RC products.
? Interview credit application, collect and analyze financial and related data to determine the general creditworthiness of the prospect and merits of the special loan request, establish and negotiate terms under which credit proposal and application for approval.
? Manage and outserve existing allocated portfolio of Business Banking customers, and achieved the assigned revenue target via providing of total banking solutions.
? Responsible for identifying the business monitoring and testing and reporting findings, exceptions and results from such monitoring/testing activities.
? To monitor and ensure strict execution of KYC policy within the Business Banking.
? To constantly operate within the compliances guidelines set by group standard and/or local regulations.
? Constantly stay in touch with SME market to understand the latest development in the SME market in term of products and/or services, to suggest and help the Business Banking management in implementation of new product and/or services of Business Banking China.
? From time to time, to complete ad hoc tasks assigned by the line manager, deemed appropriate and necessary for the smooth functioning of the department.
? Accountable for implementing and complying with AML requirements when performing duties.
? Fully understand the importance of fraud prevention, prevent fraud risks, maintain safe and steady operation of the position, implement regulatory requirements of fraud prevention, strictly execute DOIs of the department, ensure to complete relevant trainings and embed fraud prevention in daily work
? Fully understand the importance of consumer rights protection, prevent damage to consumer’s best interest, implement regulatory requirements related to consumer rights protection, ensure to complete relevant trainings and to always embed consumer rights protection mindset when performing daily work.

任职要求:
· 大学本科及以上学历，金融及相关专业者优先；
· 有相关银行业销售经验者优先；
· 有相关企业客户尤其是中小企业客户销售经验者优先
· 熟知贸易融资产品者优先
· 拥有市场开发能力、沟通能力、社交能力者优先
· 愿意承受工作压力；
· 积极乐观，以客户为中心，能够自我激励，有较强的团队意识；
· 有良好的英文写作能力。

Selection Criteria:
? University degree in Finance or related discipline is preferred.
? With certain years of banking experience preferred.
? Experience in selling to corporate customers, specifically to small and medium enterprises (SME) preferred.
? Knowledge of trade finance products preferred.
? Good marketing, communication, and interpersonal skill preferred.
? Willing to work under pressure
? Proactive, positive attitude, customer oriented, self-motivated & a strong champion of team work spirit
? Good command in written English preferred.