Relationship Manager, Commercial Banking

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

Job summary

Alliance Bank seeks an experienced Relationship Manager for Commercial Banking in Malaysia. The role involves developing and originating borrowing relationships, negotiating facility terms, and coordinating with Credit Administration and Legal to secure proper documentation and timely drawdown.

Strong risk analysis, sales, and communication skills are essential. Responsibilities include regular client engagement, annual reviews, monitoring covenants, and conducting stress tests on portfolios to

Qualifications

• Experience in commercial banking credit and risk analysis is essential.
• Strong sales management skills are required.
• Excellent interpersonal and communication abilities.
• Solid administrative and managerial capabilities.
• Understanding of credit and risk analysis processes.

Responsibilities

• Develop and originate new borrowing relationships with in-depth client understanding (KYC) and negotiate facility structure, pricing, security, covenants and terms.
• Prepare and present full set of credit applications for approval by the relevant authority.
• Coordinate with Group Credit Administration and Group Legal to issue Letters of Offer/Advice and perfection of security documentation.
• Monitor covenants and terms imposed by approving authority to ensure compliance and closure.
• Ensure timely submission of annual reviews for facilities.
• Ensure facilities are well utilized and accounts are well managed.
• Conduct regular channel checks on clients' reputation in the market.
• Make marketing calls to existing clients for annual reviews, credit opportunities, and risk identification.
• Perform quarterly stress tests on the existing portfolio.

Skills

Credit analysis

Relationship management

Negotiation

Communication

Administration

Job description

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Relationship Manager, Commercial Banking

Location: MY, 41150

Category: Permanent

Facility: 3522

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 expertise
• Strong understanding of credit and risk analysis processes