Relationship Manager - Corporate Banking (Private Sector)

Relationship Manager - Corporate Banking (Private Sector)

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Locations: Menara Affin, TRX

Time Type: Full time

Posted on: Posted 30+ Days Ago

Job Requisition ID: JR100654

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Assist Head of Department in credit acquisition for corporate loans/financings to exceed target as well as managing the team members.

ACCOUNTABILITIES:

1. Credit Acquisition:
   • Work with Head of Department and lead the Team Members with a focus on originating deals, wallet sizing and cross-selling on existing portfolio, exceeding clients’ expectations and overall growth.
   • Work within the confines of the Risk Management framework.
2. Account Profitability:
   • Maximize earnings potential and revenue of relationships.
   • Review and monitor revenue performance.
   • Multiple products sold to clients.
   • Managing portfolio’s ECL and ensuring asset quality of the portfolio.
3. Client Relationship Management:
   • Support, identify, solicit and establish a high value client base for the bank.
   • Ultimate ownership of customer relationship and customer interface.
   • Activate opportunities and risk criteria.
   • Manage proactively a portfolio of corporate accounts by monitoring the status and credit risk of each account.
   • Internal coordination/liaison with service delivery centers/HQ departments to maximize process efficiency and customer satisfaction.
4. Service Management:
   • Promptness in completing annual reviews, other credit submissions and preparation of Executive Summary, where necessary.
   • Ensure promptness and quality of credit processing.
   • To present all annual review papers to Group Management Credit Committee.
   • Monitor overdue accounts and undertake prompt measures to prevent deterioration to NPL.
   • Provide customer level information to relevant parties within the Bank.
   • Facilitate the drawdown of facilities.
5. Staff Development:
   • Mentor and coach to the Assistant Relationship Manager(s) (ARM).
   • Identify training needs and recommend ARM for development training.
   • When and where necessary, to guide and advise the ARM of their portfolio management.
6. Compliance to Regulatory and Bank's Policies and Procedures:
   • To comply with regulatory and Bank’s internal policies and procedures and provide feedback to ensure better efficiency.
   • Ensure that client instructions are duly effected by applying all standard checks and controls, coordinating with other departments including Operations/Finance/Compliance.
   • Accurately assess the risk profile, suitability and appropriateness of clients when marketing products and services by maintaining an accurate and up to date call report.
   • To manage the application of AML/CFT internal programs and procedures including proper maintenance of records and to report suspicious transactions.
   • Apply regulatory requirements such as KYC, AML/CFT and procedures at all times.
7. Additional Responsibilities:
   • Undertake additional responsibilities e.g. working committees etc. assigned by the immediate superior when required.

QUALIFICATIONS AND EXPERIENCE:

• Degree in Finance, Accounting or equivalent.
• Experience in auditing will be an added advantage.
• Candidate with professional credit certification such as PCC, CCE, BCP, Chartered Banker will be an added advantage.
• Minimum 5 years of banking experience with majority exposure to corporate banking and credit risk management.

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