Relationship Manager, Commercial Banking Centre - KL 1 Menara CIMB KL MY

CIMB; Malaysia; On-site; MYR 60,000 - 90,000; Full time

Job summary

A leading Malaysian bank is seeking a Customer Relationship Manager to conduct profitability analyses, manage customer accounts, and develop relationships with key decision-makers. The ideal candidate will have experience in financial and risk analysis and will be responsible for monitoring asset quality and facilitating business growth through strategic relationships and cross-selling. Strong analytical and communication skills are essential for this role, along with the ability to adapt to changing banking requirements.

Qualifications

• Experience in managing customer relationships with key decision makers.
• Ability to conduct financial and risk analysis effectively.
• Proven track record in cross-selling and business development.

Responsibilities

• Conduct customer profitability analysis and develop account strategies.
• Serve as primary contact for customer inquiries related to banking products.
• Develop new business relationships through various outreach methods.
• Perform evaluations and submit credit presentations for approval.
• Monitor asset quality and initiate necessary actions for portfolio management.

Skills

Customer relationship management

Financial analysis

Risk analysis

Cross-selling

Communication

Education

Bachelor's degree in Finance, Business or related field

Job 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.