Portfolio Manager - Business Banking

A Portfolio Manager - Business Banking job involves managing a portfolio of small to medium-sized business clients, ensuring its financial health by monitoring performance, managing risk, and deepening relationships. Key responsibilities include assessing client needs, offering financial solutions, cross-selling products, driving account activation, and ensuring compliance with bank policies and regulations. This role requires strong analytical, risk management, and client relationship skills, along with a deep understanding of business banking products and market trends.

Key responsibilities

Portfolio management and performance:

• Monitor and maintain portfolio health, focusing on key metrics like interest servicing, delinquency levels, and early warning signals.
• Ensure optimal utilization of approved credit limits by clients.
• Drive renewal of credit limits and identify opportunities for enhancements.

Business and revenue growth:

• Deepen existing customer relationships and expand the client base.
• Drive cross-selling and up-selling of products like POS, CMS, and TFX to both new and existing clients.
• Achieve targets related to new customer acquisition and account activation.

Risk and compliance:

• Monitor portfolio risk and highlight potential stress to internal stakeholders.
• Ensure adherence to credit policies, internal guidelines, and regulatory requirements.
• Take necessary action based on early warning signals and complete required tasks by due dates.

Client engagement and strategy:

• Conduct client visits for credit monitoring and relationship management.
• Promote the use of digital channels like internet banking and mobile apps.
• Suggest policy and process changes to improve customer experience.

Required skills and qualifications

• Skills: Analytical, sales and customer management, risk management, and interpersonal skills.
• Knowledge: Strong knowledge of business banking products, market trends, and financial industry.
• Experience: Proven experience in portfolio management, ideally in the financial services sector.
• Education: A bachelor's degree in finance, economics, or a related field is typically required.
• Additional: Strong communication and presentation skills, planning and organizing abilities, and the ability to collaborate with cross-functional teams