Relationship Manager, Business Banking (Kuching)

CIMB; Kuching; Presencial; MYR 67.000 - 134.000; Jornada completa

Descripción de la vacante

CIMB in Malaysia is seeking a dynamic professional to manage a portfolio of commercial business customers. You will deepen existing relationships, identify new opportunities, and perform financial and risk analysis to support credit decisions, while ensuring proper documentation and adherence to regulatory requirements.

You will coordinate with product lines to drive portfolio growth and maintain high asset quality.

Formación

• Ability to analyse profitability and formulate account strategy with product specialists.
• First-line contact for credit, deposits and services including operations queries.
• Maintain relationships with key decision makers (CEO, CFO, Head of Treasury, Head of HR).
• Identify prospects and onboard new customers with proper KYC due diligence.

Responsabilidades

• Conduct profitability analysis and develop account strategy.
• Serve as primary contact for credit, deposits and service queries.
• Develop relationships with key decision makers.
• Develop new business by identifying prospects and performing KYC due diligence.
• Perform financial & risk analysis and prepare credit memos for approval.
• Coordinate with product lines for portfolio development and cross-sell opportunities.
• Conduct periodic health checks on portfolio and ensure documentation is current.
• Monitor asset quality and initiate restructuring or recovery as needed.
• Undertake other duties as assigned by management.
• Ensure credit files are properly maintained.

Conocimientos

Relationship management

Credit analysis

Portfolio management

Risk assessment

Deal structuring

Descripción del empleo

To actively lead the management of a portfolio of existing commercial business customers in a dynamic fashion by proactively deepening existing relationships whilst effectively weeding out weaker or potential distressed customers as well as adding new customers of the required quality and quantity in line with the Balance Sheet and Profit & Loss objectives of Commercial Banking Division and the Group.

Description

1. Conduct customer profitability analysis and account strategy formulation with the help of product specialists, as required, for both existing and potential clients. Execute the account strategy plan including cross-selling activities or phase-out activities.
2. Be the first-line primary contact person for the customer on all queries relating to credit, deposits and other products and services including on operational issues.
3. To develop and maintain professional customer relationships with key decision makers (viz. CEO, CFO, Head of Treasury, Head of HR etc).
4. To develop new business relationships by identifying suitable prospects and using various means of communication and visits to seek out suitable business opportunities. Understand Know-Your-Customer processes involved and carry out proper due diligence when on-boarding a new customer.
5. To perform financial & risk analysis, evaluation and decision-making and to submit well written credit presentations/memos/proposals for approval by the relevant Approving Authority based on the rules, regulations, policies, procedures and guidelines of the Bank and those of relevant regulatory authorities, as applicable.
6. Coordinate with other product lines, departments and units for overall development of the portfolio including tapping on cross-selling opportunities as well as ensuring prompt and proper delivery of relevant services.
7. To conduct a periodic health check on the portfolio of customers including but not limited to an annual review of the credit-worthiness of existing borrowing/financing accounts, to ensure and to confirm that all legal /security documentation is intact and legally enforceable, insurance policies are current and renewed on expiry, in addition to ensure that data is correctly and accurately updated in the system after disbursement or any changes requested.
8. To proactively monitor the asset quality of customers in the portfolio by detecting early warning signs and to promptly undertake or initiate debt/ financing restructuring, rescheduling or legal recovery action, as applicable.
9. To undertake any other related tasks as determined by the management of the Bank from time to time.
10. To take accountability in ensuring credit files are properly maintained.