Commercial Business Manager

We are inviting applications for Commercial Business Manager position for an International Bank based in Harrow.

MAIN RESPONSIBILITY
Origination of Commercial Retail Credit proposals and ensuring successful execution of the transactions being pursued along with related client & introducer relationship management.

JOB RESPONSIBILITY
* To originate Commercial Real Estate credit proposals up to GBP 20 million and Development finance proposals upto GBP 10 million.
* Develop and build introducer relationships with brokers, accountants, solicitors, valuers and other players to generate leads. Proper database of relationships to be maintained.
* Undertake initial assessment and processing of lending proposals from the network primarily of CRE or Commercial retail credit. Provide a clear rationale for recommending or rejecting applications, prior to submitting to the CBO.
* For shortlisted proposals, submit the same to Credit team for underwriting and support process including presentation of proposals to approving Committee in a timely manner.
* Initial review, assessment, investigation to minimise credit risks associated with loan applications in accordance with the Banks operating policies and procedures. Undertake site visits as required and submit report.
* Responsibility for maintaining the pipeline status for proposals at different stages and following up to ensure that disbursement targets are met.
* Monitoring of market conditions, identifying potential opportunities or problem sectors and making necessary recommendations.
* Ensure the credit decisions are made within regulatory standards and adhere to TCF principles and Customer First standards.
* Design and deliver credit training to branches to ensure full understanding of policies and practices.
* To provide support to the CBO in all operational areas of the Retail Credit Department.
* Liaising with Solicitors / Valuation Firms for end-to-end solution for credit proposals
* Liaise with credit and credit administration teams to ensure the approval disbursement and post-disbursement experience of client is smooth.
* Presentation to Risk Committee and other UK management committees for introduction and renewal of new / existing products