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Relationship Management Develop, maintain, and work to broaden and deepen close business relationship with existing clients as well as cultivate business with prospect customers. Co-work with members of the Credit Control, Customer Service Department, Administration Group, Product Offices, and RMs of Japanese Primary Offices in providing high quality overall banking services to the clients. Maintain regular calling effort with key members of the client and report to Management all important dialogues. Serve as contact officer for clients for matters relating to all banking services. Advise clients, where possible, concerning business management and financial matters(25%). Extend credit to clients identified as qualified clients based on their creditworthiness and credit requirements as well as their "fit" with the BTMU organization. With guidance from Management and consultation with Credit Divisions, establish and negotiate terms and conditions under which credit will be extended to various clients, making sure the terms are in compliance with the bank policy guidelines. When necessary, prepare credit applications and obtain approvals from relevant Credit Divisions(25%). Cross-sell bank products and services in collaboration with Product Office members by proactively identifying transaction opportunities, marketing each product to identified clients, negotiating the terms and conditions, and executing and documenting the transactions. Such products will include derivatives, capital markets activities, foreign exchange, mergers and acquisitions, leasing, securitization, syndications, structured and trade finance, and cash management activities(25%). Collect and analyze information that reflects the current creditworthiness of the clients. Obtain information through (i) direct inspection of the clients' business and collateral, (ii) review of interim financial reports, (iii) personal interviews, and (iv) review of other relevant documents. Monitor financial conditions and loan repayment activities of credit watch clients and take necessary actions to amend terms and conditions or collect past-due accounts. When necessary, prepare periodic credit review reports and perform credit control duties(5%). Counsel and assist in the training and development of Marketing Officers and Treasury RMs. Introduce effective marketing examples to other RMs. Make practical recommendations to Manager in improving the overall quality and functions of the RMs within the Division(5%). Keep abreast of local, national and international economic, financial and political events and climates that could have an impact on commercial lending activities(5%). Perform special projects and duties relating to departmental services as assigned, including tasks related to internal and external audits and examinations(5%). Ensure adherence to all bank policies and procedures relative to Regulatory Compliance including but not limited to the Bank Secrecy Act, USA Patriot Act, Anti-Money Laundering Act, Privacy Act, Regulations Q & X (RESPA), Customer Identification Program (CIP), Know Your Customers (KYC), Suspicious Activity Reports (SARS), Currency and Transaction Reporting (CTR) and etc(5%). QualificationsIn-depth knowledge of business and finance practices, international banking transactions, lending regulations & procedures, and marketing strategies. 5-7 years experience of progressively increasing responsibilities in marketing and commercial lending positions. Strong interpersonal skills. Strong financial aptitude and broad analytical ability. Excellent oral and written communications skills including excellent business writing, editing, and proofreading skills. Bilingual in Japanese and English is required. We are proud to be an Equal Opportunity/Affirmative Action Employer and committed to leveraging the diverse backgrounds, perspectives and experience of our workforce to create opportunities for our colleagues and our business. We do not discriminate in employment decisions on the basis of any protected category. The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required of personnel so classified.
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