Account Relationship Manager

RHB Bank; Kuala Lumpur; On-site; MYR 50,000 - 80,000; Full time

Job summary

A prominent banking group is looking for a credit management professional. The role involves analyzing financial statements, monitoring credit quality, and conducting customer engagements for loan repayment. Applicants should possess a relevant degree and a minimum of two years of experience in SME credit processing.

Qualifications

• Minimum 2 years working experience in credit.
• Proficiency in English required.
• Good verbal communication and interpersonal skills.

Responsibilities

• Monitor credit quality and manage repayments.
• Review and approve Restructure & Reschedule (R&R) applications.
• Engage with customers to ensure timely repayment.

Skills

Analytical skills

Communication skills

Education

Degree / Professional qualifications in Business, Accounting, Banking, Finance, Economics

Job description

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• Analyse and interpret financial statements in order to assess repayment capacity and financial soundness of borrowers.
• Effectively communicate any changes in risk and repayment capacity of borrowers to the loan processing team to prevent default cases.
• Analyze and conduct regular reviews of current portfolios to ensure any pressing performance issues are immediately addressed.
• Draw-up restructuring/rescheduling plans that are tailored to customer circumstances and needs

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 inquiries and request from customers, COD, BDM, CBBC ARM and branches.

REQUIREMENTS

• Degree / Professional qualifications in Business, Accounting, Banking, Finance, Economics or other related disciplines
• Minimum 2 years working experience in credit with exposure to SME credit processing, credit review and loan documentation. Possess good credit writing and analytical skills
• Proficiency in English
• Good verbal communication and interpersonal skills

Unlock job insights

Salary match Number of applicants Skills match

Banking & Financial Services More than 10,000 employees

The RHB Banking Group is the fourth largest fully integrated financial services group in Malaysia. The Group’s core businesses are streamlined into seven main business pillars, namely Group Retail Banking, Group Business & Transaction Banking, Group Wholesale Banking, Singapore Business Operations, Group Shariah Business, Group International Business and Group Insurance.

Group Wholesale Banking comprises Corporate Banking, Investment Banking, Client Coverage, Group Treasury & Global Markets, Asset Management and Private Equity. All the seven business pillars are offered through the Group’s main subsidiaries, RHB Investment Bank Berhad, RHB Islamic Bank Berhad and RHB Insurance Berhad, while its asset management and unit trust businesses are undertaken by RHB Asset Management Sdn. Bhd. and RHB Islamic International Asset Management Berhad.

The Group’s regional presence now spans ten countries including Malaysia, Singapore, Indonesia, Thailand, Brunei, Cambodia, Hong Kong, Vietnam, Lao PDR and Myanmar. It is RHB Banking Group’s aspiration to continue to deliver superior customer experience and shareholder value; and to be recognised as a Leading Multinational Financial Services Group.

The RHB Banking Group is the fourth largest fully integrated financial services group in Malaysia. The Group’s core businesses are streamlined into seven main business pillars, namely Group Retail Banking, Group Business & Transaction Banking, Group Wholesale Banking, Singapore Business Operations, Group Shariah Business, Group International Business and Group Insurance.

Group Wholesale Banking comprises Corporate Banking, Investment Banking, Client Coverage, Group Treasury & Global Markets, Asset Management and Private Equity. All the seven business pillars are offered through the Group’s main subsidiaries, RHB Investment Bank Berhad, RHB Islamic Bank Berhad and RHB Insurance Berhad, while its asset management and unit trust businesses are undertaken by RHB Asset Management Sdn. Bhd. and RHB Islamic International Asset Management Berhad.

The Group’s regional presence now spans ten countries including Malaysia, Singapore, Indonesia, Thailand, Brunei, Cambodia, Hong Kong, Vietnam, Lao PDR and Myanmar. It is RHB Banking Group’s aspiration to continue to deliver superior customer experience and shareholder value; and to be recognised as a Leading Multinational Financial Services Group.

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