Faith Agnes Chambers

• Relationship Management: Owning the primary relationship and acting as the main contact for Commercial clients, maintaining high service levels.
• Client Solutioning: Collaborating with transactional bankers, credit analysts, and product specialists to deliver bespoke financial solutions, including working capital and asset finance.
• Business Development: Actively growing the portfolio through new client acquisition and identifying opportunities for existing client growth.
• Risk & Compliance: Proactively managing risk through regular client reviews, monitoring compliance, and ensuring timely credit reviews.
• Service Delivery: Setting engagement rules for cross-functional teams to ensure service consistency

• Client Portfolio Growth: Develop and execute strategies to grow and retain high-value, Private Banking, or Business clients.
• Financial Advisory: Act as a trusted partner, analyzing client needs to offer tailored banking solutions.
• Risk Management: Ensure compliance with all regulatory requirements and internal credit policies.
• Cross-functional Collaboration: Work with product specialists to provide tailored financial solutions.
• Portfolio Management: Conduct in-depth analysis of client financial situations to identify opportunities
• Fulfill business banking customer’s needs through an in -depth financial analysis methodology leveraging and understanding clients value chain with sole purpose of banking client’s ecosystem
• Identified new business opportunities through diligent market research and analysis, contributing to increased revenue growth.
• Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.

• Credit Analysis & Risk Management Analyze financial statements, industry trends, and the "Five C's of Credit" to underwrite loans, prepare credit memos, and manage risk to minimize impairment.
• Relationship Management Act as a key interface for clients, providing tailored solutions, and enhancing client trust through regular engagement.
• Portfolio Monitoring Track loan agreement compliance, monitor payment past dues, and review market trends to identify potential issues before they become defaults.
• Business Development Collaborate with Relationship Managers to identify opportunities for new business and expand existing relationships with banking products and services.

Key Responsibilities

• Credit Analysis & Risk Management: Assessing financial statements, cash flow, and loan repayment capability to determine creditworthiness. This includes recommending credit terms, adjusting limits, and monitoring compliance with credit policies.
• Client Portfolio Management: Managing business client relationships, often serving as a primary point of contact for service-related needs, troubleshooting account issues, and facilitating smooth operations.
• Financial Reporting & Analysis: Preparing detailed financial reports, including profit and loss statements, balance sheets, and daily exception reports to monitor client accounts.
• Business Development & Growth: Identifying opportunities to cross-sell banking products, such as credit cards or cash management services, to enhance client profitability.
• Data Analysis & Process Improvement: Analyzing transaction data to identify trends, ensure compliance with regulatory standards, and improve efficiency within banking systems.

Key Responsibilities:

• Client Onboarding and Support: Assisting with KYC (Know Your Customer) documentation and onboarding new clients.
• Administrative Maintenance: Handling account maintenance, managing diaries, responding to client emails, and maintaining accurate records.
• Compliance and Risk Management: Ensuring compliance with internal procedures, credit policies, and financial regulations.
• Commercial Support: Supporting Relationship Segment Head, Relationship Managers with business activity schedules, credit administration, and product support.