Sales Manager BIL

Business Clients Credit is responsible for advising/supporting business clients with complex credit financing needs, in line with all applicable regulatory requirements. Work includes: 
•    Advising on credit-related client solutions and assessing loans from an income and risk perspective, within the existing credit processes 
•    Be responsible for preparing credit submissions for approval, and the independent application for credit authority or approvals, whilst also monitoring credit exposures and/or any credit material deterioration over the life cycle of the client relationship  
•    Identifying business clients credit needs and proposing suitable products, services and/or solutions 
•    Supporting efforts to gain new business and grow earnings potential from existing clients, e.g.  at client conferences
•    Advising and guiding teams in the development of bespoke products/solutions/platforms 
•    Working with functional and cross-functional colleagues to ensure that products/solutions/platforms meet the needs of the bank/clients. May also participate in the negotiation and execution of mandated transactions with clients 
•    Optimal utilisation of resources, and compliance with defined performance targets keeping in line with relevant internal guidelines/controls and regulatory requirements 
•    Maintaining and growing business contacts and leads in the lending business 
•    Compliance with internal and credit-related regulations, e.g., QS audit results, KWG•18 etc.