UniCredit

As Corporate Banking Branch Manager you:

-manage Branch resources and are responsible for selling corporate banking/leasing products

-are responsible for the achievement of overall branch targets (defined sales targets) by generating new business and cross-product sales

-ensure that business objectives are understood by your team members/employees

-grant lines of credit and the related conditions within competence

-monitor progress versus objectives and the respective branch operations reports

-ensure compliance with bank rules, regulations and procedures.

• Be able to use front-office applications during sales and post-sales moments with enterprises (e.g. mortgages disbursement..)
• Be able to assess corporate customer's credit worthiness and credit risk based on internal credit guidelines to determine the most suitable credit product and conditions
• Knowledge of cash management products to provide proper solutions for enterprises
• Knowledge of different current accounts, debit cards and credit cards to offer proper solutions to customer needs
• Knowledge of factoring and leasing products to offer proper solutions for individuals and enterprises
• Knowledge of structured finance products to propose customized solutions for enterprises
• Knowledge of lending products, such as mortgages, to identify appropiate solutions for enterprises
• Knowledge of non-life insurance products to offer appropiate solutions for corporates
• Knowledge of trade finance products and solutions, such as promissory notes or bills of exchange to identify appropriate solutions that minimize trade risks for enterprises
• Be able to translate vision and strategic guidelines in quantitative estimates. Be able to identify short-medium term initiatives for reaching targets
• Be able to: - identify KPIs to measure the performance of an initiative / plan - monitor the identified KPIs - identify specific actions to address potential gaps
• Be able to analyze consolidated financial statements, e.g. evaluating main/critical items, trends, ratios, overall financial performance and position
• Be able to analyze stand-alone financial statements, e.g. evaluating main/critical items, trends, ratios, overall financial performance and position
• Be able to use tools that manage interactions with customers such as technical support, customer services, after-sales support and direct communication
• Be able to identify the fair price for a specific product/solution to be sold to a specific customer and be able to finalize the sale with the proposed price by interacting and negotiating with the client
• Be able to manage directly a portfolio of clients, including monitoring and detecting/flagging changes, by periodically interacting with them
• Be able to manage communication with customers to ensure a consistent and satisfactory customer experience, be able to understand their potential needs or problems and to find the best fitting solution
• Be able to sell products to the clients "face to face"
• Be able to plan in the short-medium term and execute activities aiming to acquire new customers, by identifying commercial attraction vehicles
• Be able to. - monitor clients' portfolio - identify and track overdraft, past due, potential other issues and communicate it to the "owner" of the customer relationship (e.g. corporate advisor)
• Knowledge of overall value proposition/product catalogue of the bank in order to suggest to the customers the right product (or bundling of products) for them, by analyzing their financial situation at 36°
• Be able to achieve and maximize a result by proactively collaborating with the people involved in the activity, through listening, discussion, conflict management and proactive communication
• Be able to produce thoughts using logic and reasoning in order to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems
• Knowledge of specific Bank Regulations to act properly, identify possible deviations and corrective measures. Furthermore, for Control Functions it includes knowledge of the regulatory framework for the regulation in scope/of competence, to provide regulatory advice and /or monitor and track second level controls and /or support risk assessment activities

UniCredit este o bancă comercială pan-europeană de top, care oferă soluții și servicii de cea mai înaltă calitate în Italia, Germania, Austria și în Europa Centrală și de Est. Viziunea noastră este să fim banca viitorului Europei. Scopul nostru este să susținem comunitățile să progreseze, oferind produse și servicii de top pentru toate părțile interesate și valorificând la maximum potențialul oamenilor noștri și al clienților noștri din întreaga Europă. Deservim peste 20 de milioane de clienți, sprijiniți de trei centre de produse la nivel de Grup — Corporate, Individual și Payment Solutions — care asigură expertiză de top și soluții scalabile pe toate piețele. Modelul nostru integrat combină proximitatea locală, înțelegerea profundă a clienților și capacitățile la nivel de Grup, permițând servicii fluide și o experiență excelentă pentru clienți. Digitalizarea, excelența operațională și un angajament ferm față de principiile ESG stau la baza parcursului nostru, ajutându-ne să oferim valoare sustenabilă pe termen lung pentru clienți, comunități, angajați și acționari. Cultura noastră comună ne unește oamenii din toate țările, susținând munca în echipă, execuția orientată spre rezultate și ambiția, prin responsabilitate, integritate și grijă.