Relationship Manager, Commercial Banking

Alliance Bank Malaysia Berhad; Kuala Lumpur; On-site; MYR 120,000 - 180,000; Full time

Job summary

Alliance Bank Malaysia Berhad seeks an experienced credit professional in Kuala Lumpur to develop and originate borrowing relationships, assess Know Your Customer, negotiate facility structure, pricing, security and covenants, and manage terms and conditions.

You will prepare and present the full set of credit applications for approval by the relevant authority, and work with Group Credit Administration and Group Legal to secure timely offers and perfection of security documentation for swift

Qualifications

• At least 3 years of commercial banking credit and risk analysis experience.
• Good sales management skills.
• Strong interpersonal and communication skill.
• Strong general administrative and managerial expertise.
• Good customer service skill.
• Strong understanding of credit and risk analysis processes.
• Good market knowledge and intelligence.

Responsibilities

• Develop and originate new borrowing relationships which involve in-depth understanding of the clients (Know Your Customer) and negotiation on key issues including but not limited to facility structure, pricing, security arrangement, covenants and terms and conditions.
• Prepare and present full set of credit application for approval by the relevant approving authority.
• Liaise closely with Group Credit Administration (GCA) and Group Legal to ensure timely issuance of Letter of Offer or Letter of Advice, as the case may be, and perfection of relevant security documentation as per approved terms and conditions for swift facility implementation and drawdown.
• Closely follow up on covenants, terms and conditions imposed by approving authority to ensure compliance and closure.
• Ensure timely submission of annual review.
• Ensure facilities are well utilized and account is well conducted.
• Conduct regular channel checks on client’s reputation in the market.
• Conduct regular marketing calls on existing clients for purpose of annual reviews, soliciting for credit and transaction banking opportunities, early risk identification, as the case may be.
• Conduct quarterly stress test of existing portfolio.

Skills

Credit risk analysis

Sales management

Interpersonal skills

Administrative expertise

Customer service

Credit processes

Market knowledge

Job description

• Develop and originate new borrowing relationships which involve in-depth understanding of the clients (Know Your Customer) and negotiation on key issues including but not limited to facility structure, pricing, security arrangement, covenants and terms and conditions.
• Prepare and present full set of credit application for approval by the relevant approving authority.
• Liaise closely with Group Credit Administration (GCA) and Group Legal to ensure timely issuance of Letter of Offer or Letter of Advice, as the case may be, and perfection of relevant security documentation as per approved terms and conditions for swift facility implementation and drawdown.
• Closely follow up on covenants, terms and conditions imposed by approving authority to ensure compliance and closure.
• Ensure timely submission of annual review.
• Ensure facilities are well utilized and account is well conducted.
• Conduct regular channel checks on client’s reputation in the market.
• Conduct regular marketing calls on existing clients for purpose of annual reviews, soliciting for credit and transaction banking opportunities, early risk identification, as the case may be.
• Conduct quarterly stress test of existing portfolio.

Job Responsibilities

• Develop and originate new borrowing relationships which involve in-depth understanding of the clients (Know Your Customer) and negotiation on key issues including but not limited to facility structure, pricing, security arrangement, covenants and terms and conditions.
• Prepare and present full set of credit application for approval by the relevant approving authority.
• Liaise closely with Group Credit Administration (GCA) and Group Legal to ensure timely issuance of Letter of Offer or Letter of Advice, as the case may be, and perfection of relevant security documentation as per approved terms and conditions for swift facility implementation and drawdown.
• Closely follow up on covenants, terms and conditions imposed by approving authority to ensure compliance and closure.
• Ensure timely submission of annual review.
• Ensure facilities are well utilized and account is well conducted.
• Conduct regular channel checks on client’s reputation in the market.
• Conduct regular marketing calls on existing clients for purpose of annual reviews, soliciting for credit and transaction banking opportunities, early risk identification, as the case may be.
• Conduct quarterly stress test of existing portfolio.

Job Requirement

• At least 3 years of commercial banking credit and risk analysis experience
• Good sales management skills
• Strong interpersonal and communication skill
• Strong general administrative and managerial expertise
• Good customer service skill
• Strong understanding of credit and risk analysis processes
• Good market knowledge and intelligence