Relationship Pricing Agent
Models risk-adjusted pricing across the full relationship for the coverage officer.
Aggregates everything the client holds with the bank (loans, deposits, payments, FX) and models the risk-adjusted return on the whole relationship rather than the single facility. Surfaces a pricing band above the hurdle rate and cross-sell room, and briefs the accountable coverage officer, who owns the pricing decision within policy; a concession below the hurdle goes up to the accountable business head for approval.
Authority
Inform or prepare
Team role
Provides specialist analysis
Handoffs
Named collaborators
The role
What it owns and where its authority ends
Desk
Middle Market Banking
Desk workflow
Origination, then diligence and structuring, then the credit memo and the credit decision, then documentation and booking. Larger, bespoke deals where a coverage officer owns the relationship, the chief credit officer owns the call, and the diligence and memo agents feed it.
Collaboration
Works within a defined desk workflow
Decision boundary
Supports the work without committing the decision.
Systems and capabilities involved
Product holdings + revenue feed
RAROC / pricing model
Cost-of-funds + capital data
Pricing policy reference library
Handoffs
What this role gives and receives
Capabilities offered
The handoffs name the next owner or specialist and the work that moves between them.
External handoff
Coverage officer (owns pricing decisions)
Context
What the role needs to do the work
- Current work
- The relationship's full product holdings + the deal being priced.
- Prior interactions
- Past pricing decisions and how the relationship responded.
- Policies and reference
- Pricing policy, hurdle rates, cost-of-funds and capital assumptions.
- Working method
- Not specified for this role.
Illustrative workflow
How the work moves
Starting point
The coverage officer prepares to renew a facility for a long-standing deposit-rich client.
- 01
Aggregate the relationship's loans, deposits, payments and FX revenue.
- 02
Model RAROC on the proposed renewal across the whole relationship.
- 03
Identify cross-sell room and a pricing band above the hurdle.
Result
A pricing brief showing the relationship clears the hurdle with room to hold rate, plus two cross-sell suggestions, handed to the coverage officer for the negotiation.
Checks and boundaries
What must be tested or reviewed
- 01Pricing below hurdle rates goes to the accountable business head for a concession decision on the agent's brief; the agent surfaces the band and never sets price directly.
- 02Model assumptions versioned; results reproducible for audit.
- 03Champion/challenger on the pricing model against realized returns.
Human authority
Supports the work without committing the decision.
Keep exploring