Relationship Management, Kota Bharu Enterprise Centre

SME Bank Malaysia; Kota Bharu; On-site; MYR 45,000 - 65,000; Full time

Job summary

SME Bank Malaysia in Kota Bharu is seeking an experienced Relationship Management Executive/Senior Executive to manage SME client relationships, tailor financing proposals, and ensure end-to-end service from onboarding to disbursement.

Responsibilities include marketing SME products, assessing financial statements, coordinating with branches, and ensuring regulatory compliance while delivering exceptional customer service.

Qualifications

• Bachelor’s degree or equivalent in relevant fields.
• Minimum of 2 years in SME or Commercial banking.
• Excellent communication, listening and writing skills.
• Ability to structure financial solutions and packaging to SME.
• Good interpersonal, negotiations and analytical skills.
• Up-to-date knowledge of the business environment and Malaysian economy.
• Ability to analyze and understand financial statements and data.

Responsibilities

• Perform marketing and prepare financing proposal for SME Customers until disbursement.
• Recommend suitable Bank’s products that fit customers’ business needs.
• Comply with internal and external standards, risk and compliance requirements in all financing application activities.
• Provide end-to-end customer relationship management.
• Execute tasks in account management and coordinate specific interventions.
• Plan and execute collection and post disbursement workout / restructuring activities.
• Prepare request for changes to terms at financing (pre and post disbursement).
• Implement and adherence to regulatory guidelines and compliance.
• Perform any other duties and responsibilities as assigned from time to time.

Skills

Relationship management

Communication skills

Listening

Writing skills

Interpersonal skills

Negotiation

Analytical skills

Financial statement analysis

Education

Bachelor's degree

Job description

As a high-performance organisation, we offer our services through all our branches operating nationwide. Our key initiatives are driven by various action-plans to create a high level of engagement while nurturing the core values of S.M.I.L.E among the Talent Capital of the Bank.

Talent management and development are the cornerstone of our operations. We are continuously scouting for the right talents to fill up the roles as Relationship Management (Executive/Senior Executive) at our Kota Bharu Enterprise Centre.

Responsibilities:

• Perform marketing and prepare financing proposal for SME Customers until disbursement.
• Recommend suitable Bank’s products that fit customers’ business needs.
• Comply with internal and external standards, risk and compliance requirements in all financing application activities.
• Provide end-to-end customer relationship management.
• Execute task in account management and coordinate specific interventions.
• Plan and execute collection and post disbursement workout / restructuring activities.
• Prepare request for changes to terms at financing (pre and post disbursement).
• Implement and adherence to regulatory guidelines and compliance.
• Perform any other duties and responsibilities as assigned from time to time.

Requirements:

• A minimum of a Bachelor’s degree or its equivalent in relevant fields.
• Minimum of 2 years working experience in SME or Commercial banking.
• Excellent communication, listening and writing skills.
• Ability to structure financial solutions and packaging to SME.
• Good interpersonal, negotiations and analytical skills.
• Up-to-date knowledge of the business environment and Malaysian economy.
• Ability to analyze and understand financial statement and data.