Commercial Banking Relationship Manager (Kuching)

CIMB; Kuching; On-site; MYR 80,000 - 120,000; Full time

Job summary

CIMB is seeking a Commercial Banking Manager in Kuching, Malaysia, to manage a portfolio of commercial business customers. The role involves strengthening customer relationships, conducting financial analyses, and liaising with various departments to maximize service delivery and business opportunities. The ideal candidate will have a strong background in customer management and analysis, ensuring the bank's profitability and compliance with relevant regulations.

Qualifications

• Strong analytical skills with experience in financial assessment and risk analysis.
• Proven track record in managing commercial banking relationships.
• Excellent communication skills for liaising with key decision-makers.

Responsibilities

• Manage a portfolio of commercial business customers and deepen relationships.
• Conduct financial & risk analysis and make credit proposals.
• Develop new business relationships and clients.

Skills

Customer Relationship Management

Financial Analysis

Risk Assessment

Strategic Planning

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 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.
2. 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.
3. To develop and maintain professional customer relationships with key decision makers (viz. CEO, CFO, Head of Treasury, Head of HR etc).
4. 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.
5. 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.
6. 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.
7. 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.
8. 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.
9. To undertake any other related tasks as determined by the management of the Bank from time to time.
10. To take accountability in ensuring credit files are properly maintained.