Assistant Relationship Manager Ii

11 Oct 2024**Assistant Relationship Manager II (40001503)**:

- Category: Corporate & Institutional Banking Group- Job Type:
- Facility: Corporate Banking**Job Purpose**:
The job holder responsible for support to develop và manage relationships with new and existing corporate customers; Responsible for coordinating và supporting RM in advising and providing products and services to customers, performing simple credit appraisal (according to programs/ offering/ products... issued from time to time), receiving new and managing collaterals, monitoring customer status in the management portfolio including: risk management, post-credit monitoring và service quality management in order to achieve the assigned business objectives in the corporate banking segment.

**Key Accountabilities (1)**:

- 1. Customer Insight
- Collaborate with RMs to Research/collect information, judgments, sources of potential customers (leads), competitive banking products... to help RMs understand the characteristics and needs of customer segments/sub-segments key segment is assigned.
- Collaborate with RMs to Research/collect customer information before approaching to understand the characteristics of production and business activities, organizational structure; market characteristics, needs, financial products that customers/customers group are using at other banks/credit institutions...
- Collect, analyze, evaluate information about existing customers, operations/methods/business plans, financial statements,... to understand customers, needs, able to quantify the value brought to customers so that RMs can build, advise on business plans for customers

2. Product and Pricing
- Understand and Continuously update product knowledge, features, benefits, selling points and related policies to work with RMs to propose solutions for customers: standard service products, SP packages, business programs. (CTKD) includes deposit, credit, service, trade finance, foreign exchange, derivative products, and other products for MM và USME customers in accordance with TCB's regulations from time to time.
- Actively participate in building products, solutions and pricing policies for customers with Head Office departments.

3. Sale and Service
3.1. Support for RMs in establishing and developing relationships with new and existing business customers.
- Guide customers to provide documents, print and prepare relevant documents before, during and after meeting with customers
- Assist in booking appointments and arranging meetings with customers
- Support contact with related product consulting departments to help RMs complete and deploy the solution to customers
- Collecting documents of customer
- Make a proposal for products/solutions and pricing policies for customers
- Together with RMs to propose financial solutions for customers.
- Make a plan to monitor credit limit for renewal and coordinate with related departments to determine priority level for each customer.

3.2. Customer care
- Implement quality commitments (TATs / SLAs) of positions in the process to increase customer experience and satisfaction at TCB.
- Collect customer feedback in the portfolio and urge, track the processing process, and reflect to RMs to promptly solve problems.
- Evaluate and propose improvement solutions to increase customer experience and satisfaction at TCB

**Key Accountabilities (2)**:

- 4. Risk Management
4.1 Credit Risk Management
- Collecting records, documents; checking, monitoring and updating relevant information about the Customer, the customer's business situation... in order to serve the management, post-monitoring and customer care
- Prepare credit appraisal report, agree with RMs to give suggestions for credit extension with the the simple credit profile
- Conduct post-credit supervision according to regulations.
- Actively conduct actual appraisal of customers, monitor business activities, analyze reports, detect early warning signs of risks to help RMs be proactive in effectively managing customers
- Identify early warning signs, manage debt collection process, debt reminder for customers, handle bad debts arising and follow the instructions / risk handling directions.

4.2 Operation risk management
- Proactively identify, evaluate operational risks and make recommend the solutions to your line manager/head office

**Key Accountabilities (3)**:

- 5. Operation
- Conduct operating tasks according to regulations, absolutely comply with regulations, processes, instructions... related.
- Understand and properly execute operating procedures (including forms) of products for SME customers.
- Proficient use of tools and programs in operation (T24, ECM, BPM, BCDE...)
- Process the get new và manage of assets, limits, activate credit conditions, periodically review credit conditions appendix... according to regulations
- Manage documents (legal documents, loan documents, property assets...) and customer information on the system according to regulations f