Banking Loans Officer - SME Banking - Greater London

As the Relationship Support Officer (RSO) your primarily responsible for assisting the Branch or Relationship Manager in effective client portfolio management; strong communication skills and the confidence to manage frequent client contact is a key requirement. You will become familiar with a specific client portfolio, develop an understanding of client requirements, plus knowledge of the Bank's range of products (Corporate/Commercial/SME Banking). You will provide support to the Branch/RM in the following core processes, Credit proposal processing, relationship facilitation, analysis/documentation and customer service and will liaise with Branch Operations Staff in execution of these duties. A key challenge in this role is to develop an understanding of client requirements, plus help the Branch/RM Foster professional relationships with the Bank's clients.

• Credit Proposal Preparation: Prepare various types of proposals for credit facilities. Conduct a thorough evaluation of financial data, transaction structure, balance sheets and income statements to determine the level of risk.
• Analyse client credit requirements: Client profile risk analysis, rational of request, credit risk analysis.
• Meeting clients to gain understanding of their business whereby developing strong relationships with them.
• Conducted due diligence via Experian, World Check, market checks to validate the authenticity of the client.
• Conducted inspection of Collateral properties.
• Credit Rating: Credit proposal to be evaluated independently based on assessment of parameters within the Bank’s credit grading system.
• Present the proposal to the credit committees and Boards.
• Provide Credit Recommendation to the credit committee to ensure risks are mitigated and adequate securities in place adhere to credit policy of the bank.
• Liaising with solicitors, surveyors and client. Negotiating loan terms with prospective clients.
• Reach out to the various external participants and internal departments of the bank.
• Investigating key issues and recommendations on credits facilities.
• Credit Support: Coordinate and prepare annual reviews.
• Audit and monitor existing portfolios of customers as per existing processes and adhere to AML and compliance guidelines.
• Proactively work with credit, operations and other functional specialists across different departments to satisfy customer needs, within risk parameters.
• Credit Monitoring: Maintain adequate procedures as set in credit procedures, spread sheets, registers, files, and storage to ensure all records are maintained and security documents are safely stored.
• Preparation of monthly reports / financial returns for presenting to the credit committee / senior management and regulatory authorities.
• Assists in audit and compliance activities. Daily review of the Overdraft Excess Report and the Overdraft.
• Provides routine support and advice to Retail Banking Operations as and when required.

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