Associate Relationship Manager (Loan Business & Trade Finance)

■ Main Function of Job

- Develop and manage bilateral or syndicated lending opportunities or trade finance transaction opportunities; and take responsibility of loan and trade finance administration

■ Key Tasks

1. Loan Business

1.1. Manage all aspects of work for loan and trade finance process

a) Negotiate and Finalize Terms and Conditions of loan with clients

b) Prepare for internal credit rating

c) Use KDB Head Office internal loan approval system (KUPID) and credit rating system

d) Prepare for pre-review report of credit

e) Organized Branch Credit Review Committee to get credit approval

f) Review legal documents given by legal counsels

g) Prepare drawdown review to release funds

h) Regularly monitor and update customers’ financial positions, business status and conduct of account

i) Conduct KYC for new-to-bank customers and support Due Diligence review for KYC officer in accordance with MAS regulations

j) Documentation with regards to regulatory requirements in Korea

1.2. Conduct reporting and administration duties for all aspect of loan business

1.3. Liaise with other departments of KDB Head Office on all matters of credit approvals, credit ratings and risk management and prepare a report on those matters

1.4. Prepare HQ and Branch reports

- Branch level

1) URCF Maturity Report every quarter

- Head Office Level

1) Quarterly Credit review report

2) Credit Line Report

2. Trade Finance

2.1. Deal Origination and Negotiation

a) Regularly contact FIs and corporate clients to find out the potential trade finance transaction opportunities for the following products:

• L/C (Letter of Credit) and L/C related products
• Financial Institution(FI) RP (Risk Participation)
• FI Trade Loan
• UPAS (Usance Payable At Sight)
• Forfaiting
• Corporate Risk Products (Supply Chain Financing, etc.)
• Unfunded Transactions
• Other Structured Products

b) Negotiate & finalize terms and conditions of the products with the clients

2.2 Preparation For Credit Approval & Liaise with Head Office

a) Prepare for application for the credit approval

b) Cooperate with Credit Officers in Singapore Branch, Asia Regional Head Office, and Head Office according to the credit approval authority

c) Liaise with Trade Finance Department and other department of KDB Head office on all matters of trade finance and prepare a report or memo

2.3 Pre-Transaction Preparation & Documentation

a) Prepare for the transaction agreement related to trade finance products

b) Review & finalize counterparty’s documents for the transaction

c) Conduct KYC for new-to-bank customers and support Due Diligence review for KYC officer followed by MAS regulations

d) Check RMA status for new FI clients and if necessary proceed with new RMA

e) Prepare for drawdown review to release funds before the execution date

2.4 Execution of the Transactions

a. Check the current status in the execution of the transactions

b. Support Operation Team members when new issue comes up for the transaction

2.5 POST-TRANSACTION FOLLOW-UP

a. Regularly monitor and update entities’ financial positions, business status and conduct of account

b. Update clients’ database information

c. Develop and update work manual

3. Required Skills

- Bachelor’s degree (or equivalent) or above

- Full professional proficiency in English

4. Preferred Skills

- Bachelor’s degree in Finance, Economics, Business, Commerce, Accounting or Law major preferred

- Some experience in Banking or Trade Finance will be a plus

- Training will be provided.