AVP ​/ VP, Relationship Manager - Corporate Banking (Japanese bilingual

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.

• 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 profit contribution, ROA and ROE.

• 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.

• 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.

• Ability to understand policies and procedures written in Japanese and English

• Analytical skills

• Time management skills

• Attention to detail and goal oriented

• Interpersonal…