三、中小企业金融客戶经理

　　岗位职责:

　　1、确保客户的投资组合能够很好地实现业务绩效并达到目标;

　　2、与客户保持密切的关系，为客户提供解决方案，以满足他们的需求;

　　3、通过对客户需求的深入分析，建立和扩展现有客户关系;

　　4、优先活动，限度地潜在客户的收入;

　　5、通过向中小企业销售现有/新业务客户产品，以及交叉销售其他RC产品获得新业务;

　　6、采访信贷申请，收集和分析财务及相关数据，以确定特殊贷款申请的前景和价值的一般信用，建立和协商贷款申请和申请批准的条款;

　　7、管理和服务现有的业务客户客户，通过提供全面的银行解决方案，实现既定的收入目标;

　　8、负责识别业务监控和测试报告的发现、异常和结果;

　　9、监督并确保在业务客户银行内严格执行KYC政策;

　　10、按照标准和/或当地法规规定的遵从性准则进行持续经营。

　　任职要求:

　　1、大学本科以上学历，财务或相关专业优先;

　　2、具有一定的银行从业经验者优先;

　　3、在销售给企业客户时，特别是中小型企业(SME)的相关经验;

　　4、熟悉贸易金融产品，特别是贸易和信贷设施;

　　5、良好的市场营销、沟通和人际交往能力;

　　6、愿意在压力下工作;

　　7、积极主动，积极向上，以客户为导向，自我激励，是团队合作精神的坚定拥护者;

　　8、良好的英语书面表达能力。

　　Scope of Role:

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

　　Key Responsibilities/Challenges:

　　- Ensure customer portfolio are well managed to deliver business performance and achieve targets

　　- Maintain close relationship with Business Clients 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 Clients 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 Clients 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 Clients 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 Clients management in implementation of new product and/or services of Business Clients 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.”

　　Selection Criteria:

　　- University degree in Finance or related discipline is preferred.

　　- With certain years of banking experience preferred.

　　- Relevant experience with a proven track record in selling to corporate customers, specifically to small and medium enterprises (SME).

　　- Sound knowledge of trade finance products, especially trade and credit facilities.

　　- Good marketing, communication, and interpersonal skill

　　- Willing to work under pressure

　　- Proactive, positive attitude, customer oriented, self-motivated & a strong champion of team work spirit

　　- Good command in written English

（责任编辑：李明）