Commercial Banking Relationship Manager (Bintulu)

CIMB; Bintulu; On-site; MYR 150,000 - 200,000; Full time

Job summary

A major commercial bank in Malaysia is seeking an experienced professional to manage commercial business customer portfolios. You will conduct profitability analyses, develop strong client relationships, and ensure timely service delivery. The ideal candidate should have a background in banking and strong analytical skills.

Qualifications

• Experience in commercial banking or related field.
• Strong financial and risk analysis skills.
• Ability to build and maintain client relationships.

Responsibilities

• Manage a portfolio of existing commercial business customers.
• Conduct customer profitability analysis.
• Develop new business relationships and conduct due diligence.

Job description

This role is responsible for managing a portfolio of existing commercial business customers by deepening relationships, removing weaker or distressed customers, and acquiring new customers of the required quality and quantity. It ensures alignment with the Balance Sheet and Profit & Loss objectives of the Commercial Banking Division and the Group.

Description

1. Conduct customer profitability analysis and formulate account strategies with the help of product specialists, for both existing and potential clients. Execute the account strategy plan, including cross-selling or phase-out activities.
2. Be the first-line primary contact for the customer regarding queries related to credit, deposits, and other products and services, including operational issues.
3. Develop and maintain professional relationships with key decision-makers (e.g., CEO, CFO, Head of Treasury, Head of HR).
4. Identify suitable prospects and develop new business relationships through communication and visits, understanding Know-Your-Customer processes, and conducting proper due diligence during onboarding.
5. Perform financial and risk analysis, evaluation, and decision-making. Prepare credit presentations, memos, or proposals for approval, following the bank's and regulatory guidelines.
6. Coordinate with other departments and product lines for portfolio development, cross-selling opportunities, and ensuring prompt service delivery.
7. Conduct periodic reviews of the customer portfolio, including annual creditworthiness assessments, ensuring legal/security documentation is intact, insurance policies are current, and data is accurately updated.
8. Monitor asset quality proactively, detect early warning signs, and initiate restructuring, rescheduling, or recovery actions as needed.
9. Undertake other tasks as assigned by management.
10. Ensure proper maintenance of credit files.