Relationship Manager in Manchester

We are hiring for a Commercial Real Estate Relationship Manager-Business Banking role at an International bank based in Manchester.

About the Role:

As a Relationship Manager-Business Banking, you are entrusted with the vital responsibility of making the bank a preferred choice in the micro-market around your business area. You will build a portfolio of business banking customers in the catchment and acquire new business banking customers for business current accounts, savings accounts, term deposits, Foreign Exchange, and Treasury Solutions. You will also be responsible for Trade Finance including bills under collection, letters of credit, bank guarantees, and SBLCs.

Your responsibilities include:

• Driving a 360 client coverage approach to cover all ecosystems and enhance contribution to ecosystem income through collaboration with the retail banking team, specifically private banking and salary relation teams, along with collaboration with business teams across geographies wherever the bank is present.
• Being self-motivated and having a problem-solving approach.
• Executing tasks with speed and accuracy, requiring interpersonal effectiveness and enhanced collaboration with internal and external stakeholders.

Key Responsibilities:

• Responsible for consolidating and growing the payments, deposit, and remittance business from the acquired and existing portfolio of customers.
• Generate referrals for commercial real estate lending as well as for personal banking products.
• Ensure that the portfolio of customers is operationally profitable in line with the strategic goal of the bank.
• Build NR book for the bank.
• Undertake a comprehensive 360-degree assessment of customers' needs and guide the team to offer relevant banking solutions.
• Drive portfolio growth and profitability for the bank.
• Maintain and update client relationship database, CRS, monthly performance MIS, and performance dashboards.
• Facilitate/complete customer onboarding (KYC, due diligence, etc.), internal risk clearance, and committee approvals as required.
• Regularly monitor existing client relationships.
• Conduct periodic collaboration/review calls with the global team to ensure complete 360 coverage of clients.
• Undertake projects and assignments as directed by the Supervisor.
• Support and/or prepare credit appraisal notes within specified turnaround time.
• Acquire good quality business banking customers across identified segments in your catchment areas.
• Generate leads through research, developing connections with various market participants, and developing a database of prospective clients, segmented by size of business.
• Research the client and sector to identify possible client needs and solutions the bank can offer.
• Set up meetings for yourself and more senior colleagues.
• Build and execute a tactical plan to achieve budgeted objectives of new customer acquisitions and income generation.
• Engage with clients daily (including face-to-face and telephonic meetings) as defined by the reporting authority.
• Participate actively in community events and industry forums to generate new business opportunities.
• Furnish daily business information to the reporting authority.
• Record and report all client engagements to the reporting authority daily.
• Liaise with internal stakeholders, introducers, and existing customers to originate referrals for new customer acquisition.
• Manage existing customer relationships to cross-sell/up-sell business banking products generating fee and interest income.
• Use effective marketing and sales promotional tools to raise the bank's profile in the target segment.
• Regularly monitor accounts, timely flagging and communicating with clients or operations or compliance as required.
• Facilitate competitor, market, and customer intelligence to various bank stakeholders.
• Plot the market opportunity and work towards increasing the bank's market share in identified segments.
• Process all documentation for onboarding and servicing of customers in line with the processes defined by the bank.
• Liaise with the base branch/branches to ensure high levels of servicing to clients.
• Manage client expectations and escalations by liaising with various internal departments.
• Undergo all mandatory learning modules.
• Understand and comply with the bank's policies and procedures, especially regarding conduct risk, customer profiling, risk assessment, KYC, and anti-money laundering policies.
• Assist in designing, reviewing, and enhancing products and policies in line with strategic business objectives.
• Cross-sell NR and UK personal banking solutions.
• Act as a lead channel for private banking growth mindset.
• Complete due diligence, internal risk clearance, and committee approvals of the credit note.
• Regularly monitor existing clients.
• Prepare asset reviews, waiver requests, etc.
• Drive facility documentation and setup in collaboration with legal/operations teams and maintain physical and electronic documentation of all proposal-related information.
• Customer onboarding, KYC, etc.
• Undertake projects and assignments as directed by the Supervisor.
• Maintain a 360-degree customer focus and undertake a comprehensive assessment of customers' needs.