Relationship Officer

Job Purpose

• Covering both corporate and FI sector portfolios.
• Assist RMs in onboarding and account opening for new customers; ongoing annual review of KYC/CDD documentation / screenings on existing and new customers.
• Conduct KYC/CDD assessment on both corporate & FI relationships according to compliance policy.
• Assist RMs in preparing necessary documentation / info for the annual credit review.
• Liaise with customers for trade information / documentation requirement, etc and ensure efficient processing of different matters.
• Assist & liaise customers general enquires and refer to the RM or appropriate departments where necessary
• Assist in obtaining / performing industry data & analysis, market price checking, preparing reports for meetings
• To manage FI limit requirements (using internal system) and maintain up-to-date records of FI pending, live and matured transactions
• Liaising with Head Office and other branch-level departments to facilitate execution and completion of trade and FI transactions.
• Preparation of various monitoring reports; provide ad-hoc support to the business department when necessary
• General administration work for the department and as assigned by Department Head

Key Accountabilities

Customer Management

• Provide courteous and efficient support to customer inquiries, referring to the Relationship Manager when necessary.
• Coordinate with Compliance, Operations, and Risk teams to ensure timely processing of client transactions and service requests.
• Monitor client account activity and assist in resolving operational or service-related issues.

Compliance (Onboarding, KYC, Transactional due diligence)

• Prepare onboarding and KYC/CDD renewal documentation in accordance with internal policies and procedures.
• Conduct KYC/CDD and Trade KYC screenings for both new and existing accounts, ensuring efficient and accurate assessment and resolution of screening hits.
• Perform background and reference checks on new corporate clients in line with regulatory and bank requirements.
• Assist Relationship Managers in following up with clients to obtain outstanding documentation required for compliance purposes.
• Prepare and send out client communications to ensure timely delivery of the latest forms issued by Compliance or regulatory authorities
• Ensure all submitted documentation is complete and fully aligned with the bank’s internal policies and compliance guidelines.
• Prepare responses to regulatory surveys and reports as required by local authorities.

Credit Review & Report

• Prepare relevant information and documentation—such as financial statements, net worth summaries, and ageing reports etc —to support Relationship Managers in conducting annual reviews of corporate borrowers.
• Assist Relationship Managers in compiling and completing components of the credit review package.

Data & Info Management

• Ensure timely and accurate collection and submission of all required documents.
• Maintain up-to-date information and perform necessary screenings in accordance with regulatory and internal requirements.
• Ensure accurate data entry and verification in the marketing database, particularly for screenings and checks.
• Support audits, reviews, and inspections by ensuring all relevant documentation is complete, current, and readily accessible.

General Administration

• Prepare, review, and ensure the accuracy of reports required for meetings.
• Provide administrative support for general Marketing-related tasks as assigned by the Head of Corporate Banking.
• Complete and submit assigned project work within the given deadlines.

Qualifications and Experience

Minimum qualifications:

• Bachelor's Degree; Professional qualifications such as CFA, ACCA, CPA, FRM are desirable

Minimum experience:

• At least 5 years in supporting relationship management, with experience in onboarding / KYC and credit admin
• Product knowledge in loan facility, cash management, trade finance products and structured facilities
• Familiarity with AML/CFT industry best practices for KYC/CDD purposes/
• Strong written, communication, and presentation skills. Proficiency in the use of Microsoft excel and PowerPoint
• Ability to work in parallel with different departments, in particular, Compliance, Credit Admin, Trade Operations
• Proficiency in spoken and written English