Relationship Manager - Bilingual (English and Japanese)

About this role

GENERAL SUMMARY:  

Develops and manages relationships with corporate clients with emphasis on   origination   business and portfolio risk in the assigned business segment .     Presents a range of corporate banking product solutions to meet client needs and   closes   sales. Provides responsive, quality service .    May be assigned to geographic areas and/or specific services. Approves transactions within delegated authority .    Manages overall relationship profitability and portfolio risk.  

ESSENTIAL FUNCTIONS:  

• Formulates and implements a business development plan and calling schedule for each client or prospect   following the Bank’s business development strategy.   Identifies   business opportunities and   solicits   referrals from other business segments.   Researches   market area including relevant industries as part of development and implementation of an overall marketing plan. Prepares for calls by developing a strong understanding of company, industry,   business   and needs.   Sets   objectives   for each relationship in terms of revenue contribution, deposit growth, RORA, and collaboration with relevant business units across MUSO.

• Maintains   close contact with existing customers; calls on existing or prospective clients and meets with their financial officer(s) .    Discusses and promotes   all   range of corporate banking products and services. Discusses financing opportunities and general business conditions;   assists   in forecasting clients' finances and   develops   solutions to serve their financial needs. Brings in product specialist, as necessary, to   help problem   solve or structure a transaction.

• Negotiates transactions; prices products within targeted rate of return; documents and closes transactions, ensuring conformance with Bank policy and regulatory requirements.    Exercises sound credit and risk judgment in presenting transactions for approval.   Presents transaction recommendations to senior management .    Ensures the quality of all business introduced to the Bank.  

• Interfaces with other Bank   units   as necessary .     Defines responsibilities and coordinates objectives for all product areas in a relationship or transaction.     Resolves all client needs and interfaces with other departments to resolve any customer concerns.

• Monitors and analyzes relationship plan results and account activities.   Determines   client profitability. Establishes and   maintains   relationships with industry contacts and key strategic partners .    Makes recommendations   regarding   accounts to be further developed or eliminated. Prepares a variety of reports for management.  

• Timely and effectively   monitors   the assigned portfolio for quality,   risk   and adherence to policy to ensure the early detection of credit quality changes. Analyzes problem credits and meets with   client   to develop solution(s) to minimize loss exposure .    Performs on-going credit reviews and provides   timely   assessment and communication of credit quality changes to   maintain   accurate   risk grading; pro-actively recommends,   develops   and administers effective action plans for managing adversely graded relationships to minimize credit risk/cost.  

• Maintains   an awareness of competitive products, practice   rates   and changes in market   area .  

• 8. Prepares   timely   credit recommendations, coordinates amendments and renewals .    Performs periodic credit rating reviews. Ensures the integrity and completeness of documentation in conformance with   generally accepted   regulatory requirements and established policies and procedures.  

• May serve as a product specialist acting as a technical consultant to clients and Relationship Managers in various business segments and geographic locations .    May develop and conduct client and employee training sessions and informal updates .    Provides guidance to junior level Relationship Managers and Credit Analysts.  

• Participates   in civic and community affairs as   appropriate .  

• It is the individual responsibility of every employee to   maintain   a current awareness and understanding of   appropriate banking   laws, regulations, internal   policies   and procedures, and to comply fully with those laws, regulations,   policies   and procedures.  

• Supports departmental and cross-functional initiatives and performs other duties and   responsibilities as   assigned by management.  

SPECIFICATIONS:  

Minimum qualifications outlined below:  

• Degree in Finance, Business Administration or   Economics;   or equivalent combination of education and experience.  

• Accomplished sales and marketing skills .    Good understanding of all products applicable to target client   segment .    Advanced knowledge of financial analysis techniques. Ability to structure financial products and facilities to meet the special needs and circumstances of clients and prospects. Able to detect positive and negative financial and operational trends or developments. Capable of developing sound financial and operational forecasts.  

• Excellent credit skills and thorough knowledge of the credit process   in order to   constantly   monitor   assigned accounts.   Thorough   corporate credit policies and procedures as well as working knowledge of regulations specific to banks. Strong credit analysis and accounting skills .  

• Strong customer orientation with   proven   record of responding promptly to customer needs .    Self-driven,   motivated   and results oriented.  

• Excellent analytical skills. Ability to   thoroughly and effectively analyze complex financial issues and develop/coordinate appropriate solutions . Excellent ability to conduct in-depth industry analysis and information on key industry players. Demonstrated ability in problem solving and negotiation with special emphasis on closing deals.  

• English and Japanese Bilingual skills needed .    Superior verbal and written communication skill

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