Senior Relationship Manager | Pharma and Healthcare
București
Permanent
Full-time
Acum 9 zile
General InformationJob ID51627CompanyUniCredit Bank RomaniaCompetence LineCorporates BankingCountryRomaniaCityBucureștiJob TypeProfessionalFunctional areaCorporate Banking SalesWorking time modelFull-timeType of contractFull-time ContractLarge Corporates Department - managing a portfolio of corporate customers with turnover over EUR 1 bn at group levelWhat you'll be doingAs Large Corporate Advisor you:-work with clients and internal staff to originate and structure customized products to meet large commercial client requirements focusing on traditional banking activities such as loans, etc., where the main risk for the bank is credit risk-coordinate other product lines, departments and units to ensure overall development of the portfolio and cross-selling opportunities, that may be organized on a geographic or industry group basis.What you'll need to succeedBe able to manage different levels of stakeholders and steer decisions, manage significant counterparts for the bank (e.g. important clients, institutions, ..)Be able to use different tools to interact with the client, such as video, chat, phone and emailBe able to use front-office applications during sales and post-sales moments with enterprises (e.g. mortgages disbursement..)Be able to assess corporate customer's credit worthiness and credit risk based on internal credit guidelines to determine the most suitable credit product and conditionsKnowledge of cash management products to provide proper solutions for enterprisesKnowledge of different current accounts, debit cards and credit cards to offer proper solutions to customer needsKnowledge of factoring and leasing products to offer proper solutions for individuals and enterprisesKnowledge of structured finance products to propose customized solutions for enterprisesKnowledge of lending products, such as mortgages, to identify appropiate solutions for enterprisesKnowledge of non-life insurance products to offer appropiate solutions for corporatesKnowledge of trade finance products and solutions, such as promissory notes or bills of exchange to identify appropriate solutions that minimize trade risks for enterprisesBe able to analyze client's wealth (financial and non financial) and provide a tailored assets allocation based on his/her needs and products catalogueBe able to draft a standard contract and to personalize it for a specific client / situation (e.g. adding a specific clause for an enterprise client)Be able to analyze consolidated financial statements, e.g. evaluating main/critical items, trends, ratios, overall financial performance and positionBe able to analyze stand-alone financial statements, e.g. evaluating main/critical items, trends, ratios, overall financial performance and positionBe able to use tools that manage interactions with customers such as technical support, customer services, after-sales support and direct communicationBe able to identify the fair price for a specific product/solution to be sold to a specific customer and be able to finalize the sale with the proposed price by interacting and negotiating with the clientBe able to manage directly a portfolio of clients, including monitoring and detecting/flagging changes, by periodically interacting with themBe able to manage communication with customers to ensure a consistent and satisfactory customer experience, be able to understand their potential needs or problems and to find the best fitting solutionBe able to sell products to the clients "face to face"Be able to plan in the short-medium term and execute activities aiming to acquire new customers, by identifying commercial attraction vehiclesBe able to. - monitor clients' portfolio - identify and track overdraft, past due, potential other issues and communicate it to the "owner" of the customer relationship (e.g. corporate advisor)Knowledge of overall value proposition/product catalogue of the bank in order to suggest to the customers the right product (or bundling of products) for them, by analyzing their financial situation at 36°Be able to show empathy in order to prevent any kind of symbolic violence and isolation and to guarantee a considerate attention to everyone. It should include a capacity to understand various verbal and non-verbal communication of sentiment and feelingBe able to effectively address an audience (known or unknown) throughout the ability to communicate to them with clarity and confidence for celebratory, entertainment, influencing, or informative purposesBe able to: - understand macro dimensions of a contract and to explicate it to a client - fill it properlyAbout UniCredit GroupUniCredit is a pan-European Commercial Bank with a unique service offering in Italy, Germany, Central and Eastern Europe. Our purpose is to empower communities to progress, delivering the best-in-class for all stakeholders, unlocking a better tomorrow for our clients and our people across Europe. We serve over 15 million customers worldwide. They are at the heart of what we do in all our markets. Digitalisation and our commitment to ESG principles are key enablers for our service. They help us deliver excellence to our stakeholders and creating a sustainable future for our clients, our communities and our people. We are an equal opportunity employer. We stand together in nurturing a workplace that welcomes diverse thinking and inclusive behaviors. Making all voices heard and leveraging "diversity of thought" regardless of gender identity, age, race, ethnicity, sexual orientation, ability, cultural background, we ensure sustainable growth and new business opportunities, a strong drive for innovation and creativity, as well as a general improvement of the work climate with positive impact on productivity, well-being and engagement of our people.