Corporate Banking: Credit, Product

Corporate Banking, also known as Business Banking refers the offering of banking services to corporate clients.

Corporate bankers typically serve a large base of clients which ranges from SMEs to large publicly listed companies. Corporate bankers work in specific industries. This allows them to have the expertise in providing services that are specific to the clients and their needs. Services offered by corporate bankers include arranging loans and other forms of credit products, offering treasury and cash management services for the companies’ working capital purposes, leasing and trade finance amongst others.

Although a background in finance will be helpful, graduates can expect on-the-job training. Often, you will start by assessing a company’s credit profile and decide if the company has an adequate balance sheet to back their borrowings. As you progress towards becoming a business development manager or a relationship manager, you will be required to bring in new customers and keep existing customers happy. This is a very service-centric role and involve the occasional wining and dining. Strong people skills are imperative.