Delta Trading And Commercial Agencies Hiring! Part Time Corporate Banking Executive - Business Banking Executive - SME Banking Relationship Manager in - Ricebowl

Role Description

Develop business customer relationships and coordinate banking solutions that meet financing, transaction, and cash management needs. Balance customer service and portfolio growth with sound credit judgment, appropriate controls, and the bank’s risk appetite.

Key Responsibilities

• Understand customers’ business models, financial positions, operating cycles, and banking requirements.
• Identify prospective customers and develop relationships within assigned markets or portfolios.
• Coordinate suitable lending, deposit, payment, trade finance, and cash management solutions with product specialists.
• Analyze financial statements, cash flows, repayment capacity, and proposed financing structures.
• Prepare or coordinate credit applications, annual reviews, and supporting documentation.
• Present pricing and terms within delegated authority and obtain required approvals.
• Coordinate onboarding, customer due diligence, account opening, and facility documentation.
• Monitor facility utilization, repayment performance, covenants, and emerging credit concerns.
• Resolve service issues with operations and specialist teams.
• Maintain accurate customer records, pipeline updates, and portfolio reports.
• Identify relevant cross-selling opportunities without compromising product suitability.
• Escalate suspicious activity, credit deterioration, and control exceptions through established channels.

Role-Specific Responsibilities

• Corporate Banking Executive: Support corporate customer coverage, credit proposals, complex financing activities, and coordination across product and service teams.
• Business Banking Executive: Develop business customer relationships and manage assigned sales, onboarding, financing, and service activities.
• SME Banking Relationship Manager: Own an assigned small and medium-sized enterprise portfolio, lead relationship plans, and coordinate credit reviews, retention, and risk-adjusted growth.

Qualifications

• Relevant experience in banking, relationship management, credit analysis, financial services, or business development.
• Understanding of business financial statements, cash flow analysis, and credit fundamentals.
• Familiarity with commercial banking products and customer onboarding processes.
• Strong communication, relationship-building, and negotiation skills.
• Ability to assess customer needs and explain financing terms clearly.
• Strong analytical, organizational, and documentation skills.
• Sound commercial judgment, professional integrity, and discretion.
• Familiarity with CRM, credit workflow, and banking systems.
• A degree in finance, accounting, economics, business, or a related field, or equivalent practical experience.
• For relationship manager roles, experience managing customer portfolios, assessing credit needs, and delivering commercial targets.
• Relevant product qualifications or authorization where required for assigned activities.

Preferred Qualifications

• Experience with SME or corporate lending, trade finance, or cash management.
• Relevant industry knowledge and understanding of local business markets.
• Familiarity with collateral, guarantees, loan documentation, and early-warning indicators.
• Experience working with credit, risk, compliance, and product specialists.
• Relevant banking, credit, finance, or professional accounting qualifications.
• Additional language skills relevant to the customer base.

Scope by Role

• Corporate Banking Executive: Supports corporate relationship coverage and financing execution, with responsibility shaped by experience.
• Business Banking Executive: Develops and services business banking relationships within an assigned segment.
• SME Banking Relationship Manager: Owns customer relationships and portfolio development, with credit approval exercised only where formally delegated.