AVP / VP, Relationship Manager - Corporate Banking (Japanese bilingual)

Mizuho • San Francisco, CA

9h • $110,000 - $150,000 • Hybrid

About The Position

Develops and manages relationships with corporate clients with emphasis on origination business and portfolio risk in the assigned business segment. Presents a range of corporate banking product solutions to meet client needs and closes sales. Provides responsive, quality service. May be assigned to geographic areas and/or specific services. Approves transactions within delegated authority. Manages overall relationship profitability and portfolio risk.

Requirements

• Ability to understand policies and procedures written in Japanese and English
• Analytical skills
• Time management skills
• Attention to detail and goal oriented
• Interpersonal skills
• MS Office
• Bachelor or higher degree in Finance, Accounting, Business or Economic required.
• Working experience in banking industry is a plus.
• Bilingual Japanese - English

Responsibilities

• Formulates and implements a business development plan and calling schedule for each client or prospect following the Bank’s business development strategy.
• Identifies business opportunities and solicits referrals from other business segments.
• Researches market area including relevant industries as part of development and implementation of an overall marketing plan.
• Prepares for calls by developing a strong understanding of company, industry, business and needs.
• Sets objectives for each relationship in terms of profit contribution, ROA and ROE.
• Maintains close contact with existing customers; calls on existing or prospective clients and meets with their financial officer(s).
• Discusses and promotes all range of corporate banking products and services.
• Discusses financing opportunities and general business conditions; assists in forecasting clients' finances and develops solutions to serve their financial needs.
• Brings in product specialist, as necessary, to help problem solve or structure a transaction.
• Negotiates transactions; prices products within targeted rate of return; documents and closes transactions, ensuring conformance with Bank policy and regulatory requirements.
• Exercises sound credit and risk judgment in presenting transactions for approval.
• Presents transaction recommendations to senior management.
• Ensures the quality of all business introduced to the Bank.
• Interfaces with other Bank units as necessary.
• Defines responsibilities and coordinates objectives for all product areas in a relationship or transaction.
• Resolves all client needs and interfaces with other departments to resolve any customer concerns.
• Monitors and analyzes relationship plan results and account activities.
• Determines client profitability.
• Establishes and maintains relationships with industry contacts and key strategic partners.
• Makes recommendations regarding accounts to be further developed or eliminated.
• Prepares a variety of reports for management.
• Timely and effectively monitors the assigned portfolio for quality, risk and adherence to policy to ensure the early detection of credit quality changes.
• Analyzes problem credits and meets with client to develop solution(s) to minimize loss exposure.
• Performs on-going credit reviews and provides timely assessment and communication of credit quality changes to maintain accurate risk grading; pro-actively recommends, develops and administers effective action plans for managing adversely graded relationships to minimize credit risk/cost.
• Maintains an awareness of competitive products, practice rates and changes in market area.
• Prepares timely credit recommendations, coordinates amendments and renewals.
• Performs periodic credit rating reviews.
• Ensures the integrity and completeness of documentation in conformance with generally accepted regulatory requirements and established policies and procedures.
• May serve as a product specialist acting as a technical consultant to clients and Relationship Managers in various business segments and geographic locations.
• May develop and conduct client and employee training sessions and informal updates.
• Provides guidance to junior level Relationship Managers and Credit Analysts.
• Participates in civic and community affairs as appropriate.
• It is the individual responsibility of every employee to maintain a current awareness and understanding of appropriate banking laws, regulations, internal policies and procedures, and to comply fully with those laws, regulations, policies and procedures.

Benefits

• In addition to salary and a generous employee benefits package, including Medical, Dental and 401K plans, successful candidates are also eligible to receive a discretionary bonus.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level