Community Business Manager - SME Banking (Melaka)

Hong Leong Bank Berhad; Malacca City; On-site; MYR 60,000 - 100,000; Full time

Job summary

Hong Leong Bank Berhad is seeking a Community Business Manager (CBM) to grow the Existing to Bank SME base of retail community businesses in Malaysia. You will drive acquisition of NTB customers, manage relationships, and work closely with Branch Managers to expand SME lending and product holdings.

Responsibilities include leading sales activities, coordinating with HQ for NTB leads, promoting deposits, loans, merchant services, and digital platform adoption (Hong Leong Connect / ConnectBiz) to

Qualifications

• Min 3 years in sales experience.
• Minimum 2 years of experience in SME lending (products, evaluation of business viability, basic understanding of company balance sheet and P&L).

Responsibilities

• Grow the Existing to Bank (ETB) SME base of retail community businesses (Sole Prop, Partnerships, or Sdn Bhds with AST below RM 10m).
• Manage approximately 300-500 customers per Community Business Manager (CBM).
• Bring in New to Bank (NTB) customers to the branch via community business visitations, roadshows, or other branch-based sales activities.
• Leads provided by HQ will be a source of acquiring NTB SME customers.
• Acquire NTB customers or grow ETB profitability through a variety of products (merchant services, deposit accounts, secured loans, unsecured products, BANCA, investments).
• Grow ETB CASA balances and assist digital platform setup for customers (Hong Leong Connect or ConnectBiz) for online payments and payroll.
• Understand SME lending requirements to acquire, evaluate and submit loan applications for the SME segment.
• Collaborate with Branch Managers and Area Manager to develop SME segment penetration and profitability.
• Comply with statutory requirements and sales compliance (FSA, KYC, AMLA) and internal policies.

Skills

Sales experience

SME lending knowledge

Client relationship management

Job description

If you are looking to excel and make a difference, take a closer look at us…

Job responsibilities

• Grow the Existing to Bank (ETB) SME base of retail community businesses (Sole Prop, Partnerships, or Sdn Bhds with Annual Sales Turnover (AST) of below RM 10m to grow product holdings and profitability;
• Approximately 300-500 customers per Community Business Manager (CBM);
• Bring in New to Bank (NTB) customers to the branch via community business visitations, roadshows, or other branched based sales activities;
• Leads provided by HQ will be a source of acquiring NTB SME customers;
• The acquisition of NTB customers or profitability growth of ETB customers can be through a variety of products offered;
• Merchant services, Deposit accounts, secured loans (HP, Mortgage, OD on FD), and unsecured products (Credit cards, Business Cash Loans), BANCA, investments;
• Growing ETB CASA balances will be one of the key focus of CBM, requiring the person to be capable of providing after sales support of helping set-up the digital platform for the customers (Hong Leong Connect or ConnectBiz) to perform online payment and payroll, which will ease the business transition into the Hong Leong online platform
• The CBM must understand SME lending requirement to acquire, evaluate and to submit loan applications for the SME segment
• The CBM must work very closely with the Branch Managers and Area Manager to further develop the segment penetration and profitability growth
• Comply to statutory requirement and sales compliance in relation to FSA, KYC, AMLA and all relevant
• Internal policies & procedures and sales compliance

Managerial (team/group responsibilities)

• CBM will continue to be the SME content expert for the branch and be the conduit between HQ and the rest of the sales force.
• The CBM will partner the branch manager to collectively grow the SME competency for the SME sales.

Requirements

• Min 3 years in sales experience, or
• Minimum 2 years of experience in SME lending (products, evaluation of business viability, basic understanding of company balance sheet and P&L) or min 3 years in sales experience.

About Hong Leong Bank

We are a leading financial institution in Malaysia backed by a century of entrepreneurial heritage. Providing comprehensive financial services guided by a Digital-at-the-Core ethos has earned us industry recognition and accolades for our innovative approach in making banking simpler and more effortless for our customers. Our digital and physical offerings span across a vast nationwide network in Malaysia, strengthened with an expanding regional presence in Singapore, Hong Kong, Vietnam, Cambodia, and China.

We seek to strike a balance between diversity, inclusion and merit to achieve our mission of infusing diversity in thinking and skillsets into our organisation. Candidates are assessed based on merit and potential, in line with our mission to attract and recruit the best talent available. Expanding on our “Digital at the Core” ethos, we are progressively digitising the employee journey and experience to provide a strong foundation for our people to drive life-long learning, achieve their career aspirations and grow talent from within our organisation.