Commercial Banking Relationship Manager (Kedah/Perlis)

CIMB; Kedah; On-site; MYR 30,000 - 60,000; Full time

Job summary

An established industry player is seeking a dynamic professional to enhance customer relationships and drive profitability. This role involves conducting in-depth financial analyses, developing strategic account plans, and serving as the primary contact for clients. You will collaborate with product specialists to ensure optimal service delivery while proactively managing asset quality and compliance with regulations. If you are passionate about building strong client relationships and have a knack for strategic planning, this opportunity is perfect for you.

Qualifications

• Strong analytical skills with a focus on customer profitability.
• Ability to develop and maintain professional relationships with key stakeholders.

Responsibilities

• Conduct customer profitability analysis and execute account strategies.
• Serve as the primary contact for customer queries related to products and services.
• Perform financial and risk analysis, preparing credit presentations for approval.

Skills

Customer Relationship Management

Financial Analysis

Risk Assessment

Communication Skills

Strategic Planning

Education

Bachelor's Degree in Finance or Business

Professional Certification (e.g., CFA)

Job description

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Job Responsibilities

1. Conduct customer profitability analysis and formulate account strategies with the help of product specialists, for both existing and potential clients. Execute the account strategy plan, including cross-selling activities or phase-out activities.
2. Serve as the first-line primary contact for customers regarding queries related to credit, deposits, and other products and services, including operational issues.
3. Develop and maintain professional relationships with key decision-makers (e.g., CEO, CFO, Head of Treasury, Head of HR).
4. Identify and develop new business relationships by prospecting and using various communication and visitation methods. Understand and carry out proper due diligence in Know-Your-Customer processes during customer onboarding.
5. Perform financial and risk analysis, evaluate and make decisions, and prepare well-written credit presentations, memos, or proposals for approval by the relevant authority, following bank and regulatory policies.
6. Coordinate with other departments and product lines to develop the portfolio, leverage cross-selling opportunities, and ensure prompt, proper service delivery.
7. Conduct periodic health checks of the customer portfolio, including annual reviews of creditworthiness, ensuring legal/security documentation is in place, insurance policies are current, and data is accurately updated.
8. Monitor asset quality proactively, detect early warning signs, and initiate debt restructuring, rescheduling, or legal recovery actions as needed.
9. Perform any other tasks as assigned by management.
10. Ensure proper maintenance of credit files and documentation.