Relationship Manager

Headquartered in Tokyo, Sumitomo Mitsui Banking Corporation (SMBC) is a leading global financial institution and a core member of Sumitomo Mitsui Financial Group (SMBC Group). Built upon our rich Japanese heritage since 1876, we put our customers first and provide seamless access to, from and within the Asia Pacific region.   SMBC is one of the largest Japanese banks by assets and maintain strong credit ratings across our global integrated network.  We work closely as one SMBC Group to offer personal, corporate and investment banking services to meet the needs of our customers.

With sustainability embedded within our strategy and operations, we are committed to creating a society in which today’s generation can enjoy economic prosperity and well-being, and pass it on to future generations.

Responsibilities:

Client Relationship & Business Development

• Manage and grow a portfolio of corporate and multinational clients.
• Build trusted relationships with key decision makers including CFOs, Treasurers, and senior management teams.
• Identify client needs and deliver tailored banking solutions across lending, cash management, trade finance, treasury, foreign exchange, and other corporate banking products.
• Drive business growth through relationship deepening, cross-selling, and acquisition of new opportunities.
• Conduct regular client meetings and strategic discussions to understand business objectives and support clients' growth initiatives.

Portfolio Management & Financial Performance

• Manage assigned revenue, deposit, loan, and foreign exchange targets.
• Monitor portfolio profitability and facility utilization to maximize risk-adjusted returns.
• Prepare business forecasts and contribute to budget achievement.
• Negotiate pricing and transaction structures to optimize revenue while maintaining long-term client relationships.

Credit & Risk Management

• Conduct financial analysis and credit assessment to support new transactions, renewals, amendments, and periodic reviews.
• Manage credit facilities throughout their lifecycle, ensuring compliance with approved terms and conditions.
• Monitor financial performance, covenant compliance, and overall portfolio quality.
• Partner closely with Credit Risk and relevant stakeholders to structure appropriate banking solutions.

Cross-Functional Collaboration

• Work closely with product partners, operations, compliance, legal, and regional teams to deliver seamless client solutions.
• Coordinate onboarding, KYC reviews, account opening, and implementation activities to ensure an excellent client experience.
• Support regional and cross-border banking initiatives for multinational clients.
• Prepare management reports and business updates as required.

Regulatory & Compliance

• Ensure adherence to all internal policies, regulatory requirements, AML/KYC standards, and credit governance frameworks.
• Maintain a strong risk culture while balancing client service excellence and business growth objectives.

Qualifications:

• Bachelor's Degree or higher in Finance, Banking, Economics, Business Administration, or related disciplines.

• 5 years of experience in Corporate Banking, Relationship Management, Commercial Banking, or Financial Institutions.
• Proven experience managing corporate clients and delivering banking solutions.
• Experience in credit analysis, lending, treasury, cash management, trade finance, or transaction banking is highly preferred.
• Exposure to multinational corporations and cross-border business is a strong advantage.

Skills & Competencies

• Strong understanding of corporate banking products and credit processes.
• Commercial mindset with demonstrated ability to identify and grow business opportunities.
• Strong relationship-building, negotiation, and stakeholder management skills.
• Excellent financial analysis and problem-solving capabilities.
• Ability to work effectively in a fast-paced and collaborative environment.
• Strong presentation and communication skills.

• Excellent command of spoken and written English.