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 in Kuala Lumpur seeks an experienced banking professional to develop and originate new borrowing relationships, conduct detailed client due diligence (KYC) and negotiate facility terms, pricing, security, covenants and conditions.

You will prepare and present full credit applications for approval, coordinate with Group Credit Administration and Group Legal for timely documentation, monitor covenants, ensure annual reviews, and perform quarterly stress tests while

Qualifications

• At least 8 years of commercial banking credit and risk analysis experience.
• Strong sales management skills.
• Strong interpersonal and communication skills.
• Good customer service skills.
• Strong understanding of credit and risk analysis processes.
• Good market knowledge and intelligence.

Responsibilities

• Develop and originate new borrowing relationships with clients, including KYC and negotiating facility terms.
• Prepare and present full credit applications for approval.
• Coordinate with Group Credit Administration and Group Legal for timely documentation and drawdown.
• Follow up on covenants and conditions to ensure compliance.
• Ensure timely submission of annual reviews.
• Ensure facilities are well utilized and accounts are well conducted.
• Conduct regular channel checks on clients' market reputation.
• Conduct regular marketing calls for credit opportunities and risk identification.
• Conduct quarterly stress tests of the existing portfolio.

Skills

Credit analysis

Risk analysis

Sales management

Interpersonal skills

Communication skills

Customer service

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