Relationship Manager – Trade & Working Capital (Retail Banking)

About the role

The Relationship Manager will oversee existing Trade & Working Capital (TWC) relationships and generate new business for the Business Banking Division. The role focuses on delivering superior service, expanding the bank’s share of wallet, and ensuring portfolio quality in line with the bank’s policies.

Key responsibilities

• Manage and grow a portfolio of trade and working capital customers, driving up‑selling, cross‑selling and deep‑selling of bank products.
• Source new‑to‑bank customers, convert walk‑in leads and take over relationships originated through other channels.
• Maintain portfolio quality through regular credit facility reviews, documentation, client visits and market feedback.
• Ensure compliance with the bank’s credit policies and monitor credit risk, recommending upgrades or downgrades as needed.
• Provide timely delivery of services and products, acting as the primary point of contact for clients.
• Coordinate with internal and external advisors to finalize agreements and support client needs.
• Mentor junior Relationship Managers, fostering professional development and readiness for higher responsibilities.

Required profile

• Proven experience in managing trade and working capital relationships within a banking environment.
• Strong understanding of credit assessment, portfolio management and banking regulations.
• Ability to build and maintain long‑term client relationships and identify business opportunities.

Required skills