Job Title: Business Development Manager (SME Loans)

Location: Singapore

Job Type: Full-time

Job Responsibilities:

• Build and nurture an active, long-term network of third-party partners, including loan brokers, business agents, and other key referral partners.
• Generate a steady pipeline of high-quality business referrals by establishing trust and maintaining professional engagement with the partner network.
• Serve as the primary point of contact for referred SME clients, conducting in-depth needs-analyses to understand their financing requirements and propose suitable lending solutions.
• Deliver a high standard of customer service, ensuring all client inquiries and concerns are resolved promptly and professionally.
• Actively source new lending opportunities by leveraging the broker network and identifying new strategic partnerships.
• Conduct a preliminary assessment of potential SME clients, evaluating their overall financial health, business model viability, and general credit standing.
• Prepare and package initial assessments and recommendations for the internal Credit team to facilitate their formal review and approval process.
• Structure and negotiate key loan terms and pricing, ensuring all proposals are aligned with the company's internal policies and external regulatory guidelines.
• Manage an active portfolio of SME loan clients, including the precise monitoring of payment schedules and ongoing repayment behavior.
• Collaborate with the Collections Manager to address overdue payments and assist in the execution of appropriate recovery strategies.
• Proactively monitor the portfolio for early warning signs of credit risk, taking preemptive steps to mitigate defaults.
• Guide SME clients through the application process, assisting them in compiling all necessary documentation for a complete submission.
• Oversee the client's journey through the end-to-end loan process, from the first inquiry to disbursement and all post-loan servicing.
• Provide foundational financial advisory to clients, offering insights on managing cash flow, working capital, and developing sustainable growth strategies.

Job Requirements:

• A minimum of 4 years of relevant experience in commercial banking, with direct exposure to SME lending or relationship management (RM) for SME-focused portfolios.
• A demonstrable track record in financial sales or business development within the banking or finance industry, specifically targeting SMEs.
• A pre-existing, active network of brokers, referral agents, and potential SME clients is a significant advantage.
• A strong ability to analyze SME financial statements and a deep understanding of business operations and fundamental credit principles.
• Possesses strong interpersonal, negotiation, and communication skills.
• Must be able to work autonomously, demonstrate a resourceful approach to problem-solving, and maintain a focus on achieving results.
• A working knowledge of Singapore's financial regulatory framework and established lending practices.