o Conduct an annual review of customers’ borrowing facilities (and interim review if customer circumstances [risk profile] dictate).
o Consult customer-owners/managers on financial/credit issues and general business practices/ideas.
o Determine the key messages, e.g., agreed service standards, negotiated pricing, relationship team contact points (including introductions to new personnel), and new product changes. Calculating the most appropriate means of communicating them to customers.
o Deal with, and find resolutions for, customer complaints.
o Determine the appropriate La Riba products that are most effective in meeting customer’s needs and be able to sell these, at short notice, both reactively and proactively.
o Plan and coordinate any marketing approaches for new business and actively develop existing relationships. Coordinate approaches to the portfolio by businesses across the Group.
o Monitor and ensure adherence to risk service standards.
o Research, create, and follow up on a La Riba target list for potential new business.
o Identify priority La Riba customers using the Customer Prioritization Guidelines to assess their present and potential contribution.
o Gather all the required information that is needed to prepare and assess credit applications. The role holder will be expected to input certain key information such as judgmental information (They will work closely with the La Riba team, SME Credit & Product specialists)
o Monitor and control the quality of the portfolio using “Condition of Sanction” triggers where possible and in accordance with RM guidelines and Bank policy.
o Manage “Early Warning List” customers to reduce risk, following H.O. and Regional guidance provided.
Adhere to procedures and guidelines within the BB RMCD.