Commercial Banking Relationship Manager (Johor)

CIMB Bank Berhad

Johor

On-site

MYR 78,000 - 123,000

Full time

28 hours ago

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Job summary

CIMB Bank Berhad is seeking a Commercial Banking Relationship Manager to lead a portfolio of existing commercial clients in Johor and expand the bank's presence in the region.

You will be the primary contact for credit, deposits, and related services, performing profitability analyses and coordinating with product specialists to drive cross-selling opportunities.

Qualifications

Manage relationships with commercial business customers and deepen existing ties.
Ability to analyze profitability and conduct risk assessments.
Coordinate with product specialists for cross-selling opportunities.

Responsibilities

Lead a portfolio of existing commercial clients in Johor.
Act as primary contact for credit, deposits, and product queries.
Perform financial risk analysis and prepare credit memos for approvals.
Develop new business by identifying prospects and performing due diligence.

Skills

Relationship management

Credit analysis

Client interaction

Job description

Commercial Banking Relationship Manager (Johor)

To actively lead the management of a portfolio of existing commercial business customers in a dynamic fashion by proactively deepening existing relationships whilst effectively weeding out weaker or potential distressed customers as well as adding new customers of the required quality and quantity in line with the Balance Sheet and Profit & Loss objectives of Commercial Banking Division and the Group.

Description

Conduct customer profitability analysis and account strategy formulation with the help of product specialists, as required, for both existing and potential clients. Execute the account strategy plan including cross-selling activities or phase-out activities.

Be the first-line primary contact person for the customer on all queries relating to credit, deposits and other products and services including on operational issues.

To develop and maintain professional customer relationships with key decision makers (viz. CEO, CFO, Head of Treasury, Head of HR etc).

To develop new business relationships by identifying suitable prospects and using various means of communication and visits to seek out suitable business opportunities. Understand Know-Your-Customer processes involved and carry out proper due diligence when on-boarding a new customer.

To perform financial & risk analysis, evaluation and decision-making and to submit well written credit presentations/memos/proposals for approval by the relevant Approving Authority based on the rules, regulations, policies, procedures and guidelines of the Bank and those of relevant regulatory authorities, as applicable.

Coordinate with other product lines, departments and units for overall development of the portfolio including tapping on cross-selling opportunities as well as ensuring prompt and proper delivery of relevant services.

To conduct a periodic health check on the portfolio of customers including but not limited to an annual review of the credit-worthiness of existing borrowing/financing accounts, to ensure and to confirm that all legal /security documentation is intact and legally enforceable, insurance policies are current and renewed on expiry, in addition to ensure that data is correctly and accurately updated in the system after disbursement or any changes requested.

To proactively monitor the asset quality of customers in the portfolio by detecting early warning signs and to promptly undertake or initiate debt/ financing restructuring, rescheduling or legal recovery action, as applicable.

To undertake any other related tasks as determined by the management of the Bank from time to time.

To take accountability in ensuring credit files are properly maintained.

Your application will include the following questions:

Which of the following statements best describes your right to work in Malaysia?
What's your expected monthly basic salary?
How many years' experience do you have as a Commercial Banking Relationship Manager?
Which of the following types of qualifications do you have?

CIMB Group is one of ASEAN’s leading universal banking groups and is Malaysia’s second largest financial services provider, by assets. It offers consumer banking, commercial banking, investment banking, Islamic banking and asset management products and services. Headquartered in Kuala Lumpur, the Group is present in all 10 ASEAN nations (Malaysia, Indonesia, Singapore, Thailand, Cambodia, Brunei, Vietnam, Myanmar, Laos and Philippines). Beyond ASEAN, the Group has market presence in China, Hong Kong, India, Sri Lanka, Korea, the US and UK.

CIMB Group has the most extensive retail branch network in ASEAN approximately of 720 branches as at 30 September 2019. CIMB Group’s investment banking arm is also one of the largest Asia Pacific-based investment banks, offering amongst the most comprehensive research coverage around of 600 stocks in the region.

CIMB Group operates its business through three main brand entities, CIMB Bank, CIMB Investment Bank and CIMB Islamic. CIMB Group is also the 92.5% shareholder of Bank CIMB Niaga in Indonesia, and 94.8% shareholder of CIMB Thai in Thailand.

CIMB Group is listed on Bursa Malaysia via CIMB Group Holdings Berhad. It had a market capitalisation of approximately RM48.9 billion as at 30 September 2019. The Group has around 36,000 employees located in 16 countries

For more information, please visit www.cimb.com