Relationship Manager (SME Loans)

Job Responsibilities:

. Proactively develop and maintain strong, long-term relationships with loan brokers, business agents, and referral partners.

. Drive consistent and quality business referrals through effective engagement, trust-building, and professional collaboration.

. Act as the main liaison for referred SME clients, understanding their financing needs and offering appropriate solutions.

. Provide exceptional service by addressing client inquiries and concerns in a timely and professional manner.

. Identify and pursue new lending opportunities through broker networks and strategic partnerships.

. Perform initial evaluation of SME clients financial health, business viability, and credit standing.

. Prepare preliminary assessments before submission to the Credit team for formal review and approval.

. Structure and negotiate loan terms in alignment with internal policies and regulatory guidelines.

. Maintain a portfolio of SME loan clients, ensuring accurate monitoring of payment schedules and repayment behavior.

. Coordinate with the Collections Manager to follow up on overdue payments and assist in implementing recovery actions.

. Stay vigilant on early signs of credit risks and take preemptive measures to mitigate defaults.

. Assist clients in completing loan applications and compiling the necessary documentation for submission.

. Guide clients through the end-to-end loan process, from initial inquiry to disbursement and post-loan servicing.

. Offer basic financial advisory to help clients manage cash flow, working capital, and sustainable growth strategies.

Job Requirements:

. Minimum 4 years experience in commercial banking, SME lending, or relationship management for SME clients.

. Proven experience in SME lending, financial sales, or business development in the banking or finance industry.

. Strong network of brokers, agents, and SME clients is highly preferred.

. Solid understanding of SME financial statements, business operations, and credit principles.

. Excellent interpersonal, negotiation, and communication skills.

. Self-driven, resourceful, and results-oriented with the ability to work independently.

. Familiarity with Singapore's financial regulatory framework and lending practices.