Account Relationship Manager

RHB Bank Berhad; Kuala Lumpur; On-site; MYR 56,000 - 112,000; Full time

Job summary

RHB Bank Berhad seeks a credit professional to monitor SME loan portfolios, identify early signs of deterioration, and drive restructuring and renewal activities. You will engage customers for repayment, gather supporting documents, and coordinate site visits as needed.

You will review R&R submissions, ensure policy compliance, update core systems, and support credit-related inquiries from branches and departments.

Qualifications

• Degree or professional qualification in business-related fields.
• Experience in SME credit processing and loan documentation.
• Strong credit writing and analytical skills; fluent English.

Responsibilities

• Monitor credit quality and identify deterioration signs.
• Engage SMEs on repayments, R&R and renewals; arrange documents.
• Review and submit R&R applications for PLM customers.
• Ensure compliance with credit policy and update systems.
• Handle NPL downgrades, trade finance inquiries and related admin.

Skills

Credit processing

Credit review

Loan documentation

Credit writing

Analytical skills

English proficiency

Education

Bachelor degree or professional qualifications in Business/Accounting/Banking/Finance/Economics

Job description

KEY RESPONSIBILITIES

Proactively monitor credit quality through early recognition of signs of deterioration inclusive Restructure & Reschedule & identified early high risk customers. To call/ engage on the repayment of SMEs loan on timely manner To call/ engage with potential R&R /High risk customers or renewal customers in order to obtain documents & appointment for site visit with SMEs requiring R&R or renewal Review, and Submit Restructure & Reschedule (“R&R”) applications for approval for PLM customers Ensure completion of the R&R request via acceptance & implementation to the customer & correct updates in the system Ensure update on SME customers on the approved renewal conditions & the next review date, ensure the internal system update is done correctly Ensure all credit related matters to be in compliance to the bank’s credit policy and guidelines to ensure no adverse credit audit. Downgrade and cut over of NPL accounts. Manage all suppliers inclusion for Trade financing, extension for Term Loan drawdown, revision of interest, issuance of CA form (in the absence of Admin staff), insurance related matter, AQAD renewal, settlement , discharge, loan statements request assignment, consent request and other operational request, file cut over etc. Management of inquires and request from customers, COD, BDM, CBBC ARM and branches.

REQUIREMENTS

Degree / Professional qualifications in Business, Accounting, Banking, Finance, Economics or other related disciplines.

2 years and above working experience in credit with exposure to SME credit processing, credit review and loan documentation.

Possess good credit writing and analytical skills English - Excellent in speaking and writing