Relationship Manager Large Corporate - Energy Sector

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Apply as Relationship Manager Large Corporate - Energy Sector

General Information

What you'll be doing

As 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 succeed

• Be 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 email
• Be 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 conditions
• Knowledge of cash management products to provide proper solutions for enterprises
• Knowledge of different current accounts, debit cards and credit cards to offer proper solutions to customer needs
• Knowledge of factoring and leasing products to offer proper solutions for individuals and enterprises
• Knowledge of structured finance products to propose customized solutions for enterprises
• Knowledge of lending products, such as mortgages, to identify appropiate solutions for enterprises
• Knowledge of non-life insurance products to offer appropiate solutions for corporates
• Knowledge of trade finance products and solutions, such as promissory notes or bills of exchange to identify appropriate solutions that minimize trade risks for enterprises
• Be able to analyze client's wealth (financial and non financial) and provide a tailored assets allocation based on his/her needs and products catalogue
• Be 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 position
• Be able to analyze stand-alone financial statements, e.g. evaluating main/critical items, trends, ratios, overall financial performance and position
• Be able to use tools that manage interactions with customers such as technical support, customer services, after-sales support and direct communication
• Be 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 client
• Be able to manage directly a portfolio of clients, including monitoring and detecting/flagging changes, by periodically interacting with them
• Be 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 solution
• Be 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 vehicles
• Be 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 feeling
• Be 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 purposes
• Be able to: - understand macro dimensions of a contract and to explicate it to a client - fill it properly

What you'll get in return

• 13th salary
• Meal vouchers worth RON 45
• Private medical subscription
• Easter and Christmas bonuses — RON 300
• A day off on your birthday
• Special rates for sports activities
• Exclusive discounts from over 100 partners

About UniCredit Group

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