Commercial Banking Relationship Manager (Plaza Damansara)

CIMB; Kuala Lumpur; On-site; MYR 120,000 - 180,000; Full time

Job summary

CIMB in Kuala Lumpur is seeking a Commercial Banking Relationship Manager to actively manage a portfolio of existing corporate clients. You will deepen relationships, perform profitability analysis, and drive cross-selling while ensuring credit quality and regulatory compliance.

You will be the primary liaison for customer queries on credit, deposits and products, and will build relationships with CEOs, CFOs, and treasury heads.

Qualifications

• The candidate will conduct profitability analysis and formulate account strategies for clients.
• Be the primary contact for credit, deposits and product queries with customers.
• Develop relationships with CEOs, CFOs, and other senior decision-makers.

Responsibilities

• Conduct customer profitability analysis and account strategy formulation with product specialists.
• Be the first-line contact for credit, deposits and other product/service queries.
• Develop professional relationships with key decision makers (CEO, CFO, Head of Treasury).
• Identify prospects and on-board new customers with proper due diligence.
• Perform financial & risk analysis and prepare credit memos/proposals for approval.
• Coordinate with product lines for portfolio development and timely service delivery.
• Conduct periodic health checks and ensure data in the system is up-to-date.
• Monitor asset quality and initiate debt restructuring as required.
• Undertake related tasks as determined by management and maintain credit files.

Skills

Portfolio management

Credit analysis

Relationship management

Cross-selling

Know Your Customer

Credit risk assessment

Credit presentations

Job description

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.