Wholesale Banking Coverage – Relationship Manager

AmBank; Kuala Lumpur; On-site; MYR 60,000 - 80,000; Full time

Job summary

A leading banking group in Malaysia is seeking a Relationship Manager to market corporate loans and craft tailored loan solutions for corporate clients. The role involves preparing credit proposals, ensuring compliance with regulations, and developing new borrowing relationships. Ideal candidates will have significant experience in non-retail banking and strong negotiation skills.

Qualifications

• Minimum 3 to 5 years of experience in non-retail banking.
• In-depth knowledge of loan products.

Responsibilities

• Market corporate loans and structure loans to meet financial goals.
• Prepare credit proposals and provide analytical support.
• Develop and originate new borrowing relationships.

Skills

Negotiation

Presentation

Communication

Job description

Wholesale Banking Coverage – Relationship Manager

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• Market corporate loans and ensure market competitiveness by structuring loans to meet the financial goals of the Bank while also aligning with the client's needs.

• Craft custom loan solutions and prepare term sheets tailored to the unique needs of corporate clients, ensuring the Bank's interests are protected.

• Prepare credit proposals, provide analytical support in submissions to relevant approving authorities, and ensure speedy turnaround times. This includes identifying pertinent credit-related issues, working out viable financing solutions for clients, conducting pre-sanction visits & interviews with loan applicants, and handling post-approval work processes.

• Ensure all transactions comply with applicable regulatory frameworks, guidelines, and the Group's policies and procedures.

• Monitor existing corporate portfolios and identify early warning triggers for potential credit deterioration.

• Closely monitor loan covenants and approval conditions to prevent breaches.

• Develop and originate new borrowing relationships, involving in-depth understanding of clients (Know Your Customer) and negotiation on key issues including facility structure, pricing, security arrangements, covenants, and terms and conditions.

• Liaise with Credit Support & Administration and Group Legal to ensure the timely issuance of Letters of Offer.

• Follow up on covenants, terms, and conditions imposed by the approving authority to ensure compliance and closure.

• Ensure timely submission of annual reviews.

• Ensure facilities are well utilized and accounts are well managed.

• Conduct regular channel checks on clients' reputation in the market.

• Conduct regular marketing calls on existing clients for annual reviews, soliciting credit and transaction banking opportunities, and early risk identification.

• Handle ad-hoc assignments as tasked by management.

Key Requirements:

• Minimum 3 to 5 years of experience in non-retail banking within a regional financial institution.
• In-depth knowledge of loan products (loans, trade finance, treasury, and project finance).
• Well-versed with relevant regulations, compliance standards, market conditions, and industry trends.
• Effective negotiation, presentation, and communication skills to articulate credit proposals and engage with stakeholders.
• Strong business connections to identify and develop business opportunities.

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About AmBank Group

Banking & Financial Services — More than 10,000 employees.

Established in August 1975, AmBank Group is one of Malaysia's largest banking groups by market capitalization, comprising AMMB Holdings Berhad and its subsidiaries.

Our people are the reason for our achievements today. We value diversity and creativity, seeking energy, passion, and a drive to excel. We aim to build a motivated, agile, and ambitious team to deliver excellence in a dynamic, results-oriented environment.

Our strategic partnerships with Australia and New Zealand Banking Group Ltd (ANZ), International Assurance Group (IAG), and MetLife, Inc. provide us with a wide network, regional presence, and international banking and financial services expertise.

What can I earn as a Relationship Manager?