Manager - Business & Corporate Banking (Account Relationship)

Hong Leong Bank; Alor Setar; On-site; MYR 90,000 - 150,000; Full time

Job summary

Hong Leong Bank is seeking an experienced Commercial Banking professional to manage a portfolio of account relationships, acquire new clients, and provide tailored financial solutions in line with credit policies. You will collaborate with product partners to meet client needs and drive revenue while maintaining asset quality through proactive monitoring and periodic reviews.

The role requires at least 5 years in commercial lending or sales, a Finance or Economics degree, and credit writing

Qualifications

• Credit writing skills (added advantage).
• Proven ability in prospecting and initiating client conversations.
• Strong relationship management and client engagement skills.

Responsibilities

• Account Prospecting: Identifying and contacting prospects; evaluating prospects' financing needs; preparing and following up of credit approvals.
• Account Management: Monitoring utilization; processing ad-hoc requests; reviewing facilities; cross-selling opportunities with customers.
• Credit writing: Write credit applications for new acquisitions and renewals; ensure timely review of existing accounts.
• Governance: Ensure asset quality and adherence to lending policies; provide timely management reports to HO; support training of subordinates if any.

Skills

Credit writing

Prospecting

Client relationship

Education

Finance / Economics or equivalent

Job description

Job responsibilities

Acquire new account relationships. Manage a portfolio of existing Commercial Banking Account relationship in order to grow both funded income and non–funded income. Manage a portfolio of accounts in order to provide value – added banking advice and customized financial solutions in order to optimize revenue generation from the portfolio. Write credit applications for new account acquisition and ensure timely review and renewal of existing accounts. Ensure acceptable asset quality of existing portfolio by being pro‑active and up‑to‑date in terms of market intelligence in relation to accounts and industry of portfolio managed. Work closely with product partners including Trade Services, Global Markets, and Deposit & Liability Management in order to meet financial and banking requirements of clients in a wholesome manner. Ensure that banking facilities offered to clients are structured in compliance with credit lending policies. Ensure that key risks of cases are adequately addressed by in CAs before submission to Wholesale Credit To preserve the assets quality of the bank at all times To monitor and encourage utilization of existing facilities under the portfolio in order to increase revenue. Close follow through with clients on to ensure acceptance of the Bank’s facilities and subsequent drawdown.

• Account Prospecting: Identifying and contacting prospects; Evaluating prospects financing needs; Assessing and putting up Credit Applications to Wholesale Credit; Preparing and following up of acceptance of offer
• Account Management: Monitoring utilization; Processing ad‑hoc requests; Processing requests for additional facilities; Reviewing annually or periodically borrower’s facilities; Keep in contact with Customers e.g. through site visitations etc; Exploring cross‑selling opportunities
• Others: Meeting business targets set via KRA; Submitting timely management reports to HO; Providing hands‑on training and guidance to subordinates (if any)

Requirements

• At least 5 years experience in commercial loan/sales
• Degree in Finance / Economics or equivalent
• Credit writing skills (added advantage)

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.

Additional Company Information

Hong Leong Bank (“HLB”) stands proudly as a leading financial services institution based in Malaysia, providing a wide range of comprehensive and innovative financial solutions across the region. These services are delivered through both digital and traditional means, via online and mobile banking, as well as our digital branch concept to provide customers with an efficient and seamless experience aided by technology. As the service and financial landscape changes rapidly with the ever‑increasing use of technology, staying attuned to customers needs and desires becomes even more critical to HLB’s operations. To stay ahead of these dynamic changes, the Bank has adopted the approach of reimagining banking by embedding digital considerations and customer centricity in every aspect of our operations, from products and services as well as customer care and engagement. HLB’s ethos of being Digital‑At‑The‑Core powered by customers‑at‑the‑forefront will continue to lead us to innovate offerings in line with our aspiration of being a highly digital and innovative financial services organization.