Commercial Banking Relationship Manager (Seberang Jaya)

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

Job summary

CIMB in Malaysia seeks a senior commercial banking professional to lead a portfolio of existing business customers. You will deepen relationships, drive cross-sell opportunities, and ensure credit health while adhering to regulatory and bank policies.

You will be the primary contact for credit, deposits, and service needs, coordinating with product specialists to deliver tailored solutions and maintain robust Know-Your-Customer standards. The role emphasizes risk-aware growth.

Responsibilities

• Conduct profitability analysis and formulate account strategy with product specialists.
• Be the first-line contact for credit, deposits and other services.
• Develop relationships with key decision makers (CEO, CFO, Head of Treasury, Head of HR).
• Identify prospects and seek business opportunities; perform proper due diligence for KYC onboarding.
• Perform financial risk analysis and prepare credit presentations for approval.
• Coordinate with other product lines for cross-selling and delivering services.
• Conduct periodic health checks on portfolios and ensure documentation is current and enforceable.
• Monitor asset quality and initiate restructuring or recovery actions as needed.
• Undertake other tasks as determined by management and maintain credit files.

Skills

Relationship management

Credit analysis

Know-Your-Customer

Cross-selling

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.