Client Manager Global Trade & Receivable Finance
HSBC Bank ME
Total years of experience :20 years, 0 Months
• Managing the relationship of the new & extent book of Trade & Receivable Finance (GTRF) portfolios and achieved the growth rate of 31.6% from legacy book size of USD 97.3M to 128M (new & incremental business)
• Periodic review for the existing Trade & Receivable Finance clients, close contacts & period review with existing clients to keep the utilization up and finds if there is any new opportunity or warning sign.
• Implement of 7 controls procedure to mitigate the risk associated business and to safeguard the bank’s interest, Periodic survey at client’s business premises, product approval, buyer/supplier review, and validation of transaction, monthly sales ledgers reconciliation in case of post-sale transactions, statistical monitoring & periodic client review.
• Implement and monitoring of GTRF sales plan to achieve target revenue objectives and risk mitigation.
• Monitoring of client finance utilizations and make sales calls with other product partners to promote GTRF products.
• Refer new clients to the bank and offer out of box solutions.
• Work with internal stakeholders including coverage team, Cash Management, Ops, credit, legal, compliance etc.
• Identifying client’s needs and work with the GTRF team to develop innovative trade finance solutions.
• Identifying the GTRF prospects and preparation of RF recommendations via Trade & RF templates.
• Managing the smooth operations of the existing GTRF client’s and ensure the utilization.
• Marketing for the new accounts primarily for post shipment credit facilities (Factoring/PDC discounting, bill discounting etc.
• Regular visits to the existing portfolios for further deepening of relationship.
• Implement and monitoring of trade sales plan to achieve target revenue objectives.
• Monitoring of client finance utilizations and make sales calls to promote trade products.
• Refer new clients to the bank and offer out of box solutions.
• Work with internal stakeholders including ops, credit, legal, compliance etc.
• Identifying client’s needs and work with the trade team to develop innovative trade finance solutions.
• Identifying the factoring prospects and preparation of Factoring clearance sheets.
• Managing the smooth operations of the existing factoring accounts and ensure the utilization of funds.
• Adherence to KYC norms, through scrutiny of initial documents.
• Analysis of Financial statements of clients and reporting/commenting on the financial position of the clients.
• Conduct risk analysis and assess the risk associated with the business.
• To visit the customer and negotiate and structure credit limits based on the financial information provided and findings from various analysis.
• Preparing the credit facilities proposal of the clients based on their available information provided by the clients & industry/market analysis
• Understand banks requirements with respect to type of security, nature and projects details.
• Completion of all the documentation relating to the credit facilities.
• Monitor that the portfolio/accounts are performing in line with the business utilization and covenants.
• Ensure the smooth operating of the portfolio accounts by coordination various department of the Bank.
• Close monitoring of portfolio accounts to ensure that none of the accounts slips into NPA.
• Manage general housekeeping and safeguards of security documents.
• Marketing for the borrowing relationship for the bank.
• Adherence to KYC norms, through scrutiny of initial documents.
• Proposal preparation through analysis of financial statements, Bank statements, Previous Bank sanctions letters, stock and debtor statements etc.
• Sanction communication to the customer and recovery of Processing Fee.
• Preparation of the security documents and their legal vetting.
• Security creation of sanctioned cases, through documents execution, mortgage creation etc.
• Personal inspection of the collateral properties to verify the enforceability of the security.
• Ensure proper dual custody of the physical loan documents.
• Obtaining post sanction approvals as required.
• Liaise with Regional Credit Division to get limits loaded on the system.
• Customer/Unit inspection on monthly basis and preparation of call reports.
• Ensure that all the assets charged to the bank are adequately secure and valid insurance policies with appropriate bank clause are held on record.
• Ensure timely review/renewal of portfolio accounts.
• Obtaining financial and other documents every financial year.
• Regular monitoring of account turnover, overdrawing to ensure nil irregularity. Immediate rectification of any occurred irregularity.
• Ensure the valid end use of the provided fund by proper monitoring.
• Credit monitoring of portfolio for the three branches to ensure smooth running of existing accounts.
o Adherence to KYC norms, through scrutiny of initial documents.
o Inward Clearing, Issuance of DD/MC, Branch ATM Loading, CBDT Challans
o Managing day-to-day banking needs of High Net worth Individual (HNI) clients of the bank by serving as their single point of contact.
o Responsibility of promoting the Business Banking Products viz. Fund based facility - Cash Credit, Term Loan etc. and Non-fund based facility - Guarantees and Documentary Credit
o Responsibility of increasing the CA-SA base of the branch, fixed deposits, Secured Loans against Deposits
o Developing business from NRI clients and coordinate with other offered product of the branch
o Cross sell other asset products viz. Home loans, Personal loans, Car loans, Loan against Securities etc.
o Cross sell investment products to branch customers
o Handle Teller Counters during peak loads