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Associate Banker

mid · Corporate Finance

Job Description

To establish and nurture profitable partnerships with both corporate and individual clients. It's the bridge between the bank's offerings and clients' needs, ensuring mutual benefit and long-term success. 

Accountabilities

• Management of client relationships to identify the clients financial goals, challenges, and risk tolerance to support the analysis of data obtained from various sources, including the investment portfolio and cash flow, to identify trends, insights, areas for improvement and additional services to support client needs.

• Research and understanding of the client's industry trends, regulatory landscape, and competitive environment to inform strategic recommendations.

• Design of customised solutions that address the client's specific needs and objectives, incorporating a range of products and services from the bank's portfolio.

• Communication of the value proposition of proposed solutions, justification of recommendations, and negotiation of terms that are beneficial for both the client and the bank.

• Provision of guidance to clients to support their financial decisions, offering expert investment advice, risk management and wealth management strategies support, and updates on market trends to ensure a positive and continuous relationship.

• Assessment of financial, legal, and operational risks associated with client relationships, and implementation of measures to minimise potential losses.

• Documentation of all client interactions, transactions, and agreements to ensure transparency and auditability, and communicate findings effectively to support product development, service offerings, and the overall bank strategy.

• Monitoring of client satisfaction, revenue generated, and other relevant metrics to evaluate the effectiveness of relationship management efforts.

Analyst Expectations

• To perform prescribed activities in a timely manner and to a high standard consistently driving continuous improvement.

• Requires in-depth technical knowledge and experience in their assigned area of expertise

• Thorough understanding of the underlying principles and concepts within the area of expertise

• They lead and supervise a team, guiding and supporting professional development, allocating work requirements and coordinating team resources.

• If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L – Listen and be authentic, E – Energise and inspire, A – Align across the enterprise, D – Develop others.

• OR for an individual contributor, they develop technical expertise in work area, acting as an advisor where appropriate.

• Will have an impact on the work of related teams within the area.

• Partner with other functions and business areas.

• Takes responsibility for end results of a team’s operational processing and activities.

• Escalate breaches of policies / procedure appropriately.

• Take responsibility for embedding new policies/ procedures adopted due to risk mitigation.

• Advise and influence decision making within own area of expertise.

• Take ownership for managing risk and strengthening controls in relation to the work you own or contribute to. Deliver your work and areas of responsibility in line with relevant rules, regulation and codes of conduct.

• Maintain and continually build an understanding of how own sub-function integrates with function, alongside knowledge of the organisations products, services and processes within the function.

• Demonstrate understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function.

• Make evaluative judgements based on the analysis of factual information, paying attention to detail.

• Resolve problems by identifying and selecting solutions through the application of acquired technical experience and will be guided by precedents.

• Guide and persuade team members and communicate complex / sensitive information.

• Act as contact point for stakeholders outside of the immediate function, while building a network of contacts outside team and external to the organisation.

All colleagues will be expected to demonstrate the Barclays Values of Respect, Integrity, Service, Excellence and Stewardship – our moral compass, helping us do what we believe is right. They will also be expected to demonstrate the Barclays Mindset – to Empower, Challenge and Drive – the operating manual for how we behave.

Key responsibilities include:

• Managing Customer relationships, business development, product knowledge, and researching solutions to meet customers’ needs using market and industry information

• Acting as a principal point of contact and assisting with day-to-day portfolio management.

• Managing assigned clients and engaging with product specialists to identify new opportunities for the Bank and providing the best possible service to their clients

• Working with internal and external stakeholders to support retaining and growing client relationships and the portfolio and delivering banking products

• Dealing with all aspects of onboarding, Know Your Customer (KYC) and Customer Due Diligence process and annual credit review and ensuring compliance with mandatory Risk policies and procedures

• Developing relevant sector, client and product knowledge using development tools, learning resources and actively share your skills and knowledge with your colleagues.

To be successful in this role you will need:

• Knowledge of Corporate Banking product suite: Payments, Liquidity, FX, Lending, Trade & Working Capital.

• Experience in Customer Due Diligence procedures, awareness of Financial Crime policy and procedures.

• Knowledge of associated risks, compliance, KYC and management of same, Credit risk analysis skills.

• Understanding client’s complex requirements and positioning products that meet the client’s requirements and are the right products.

Desirable skills include:

• Excellent time-management, self-planning, and organisational skills as well as excellent presentation and communication skills, and IT Skills (Microsoft standard packages).

• Ability to build excellent client relationships & develop internal network relationships to deliver results.

• Excellent written and verbal communication and the ability to build relationships and stakeholder management.

• German and English fluency

You may be assessed on the key critical skills relevant for success in role such as risk and controls, change and transformation, business acumen strategic thinking and digital and technology, as well as job-specific technical skills. Additional required skills include ability to manage KYC requirements, client onboarding, banking service management and internal/external stakeholder engagement and co-ordination.

This is based in our Frankfurt, Germany office.

This role is deemed as a Controlled Function role under the Central Bank of Ireland Fitness and Probity Regulations and may require the role holder to hold mandatory regulatory qualifications or the minimum qualifications to meet internal company benchmarks.