Relationship Manager, Commercial Banking Centre - Klang MY

CIMB Group Malaysia; Malaysia; On-site; MYR 60,000 - 110,000; Full time

Job summary

CIMB Group Malaysia seeks a client-focused banking professional to manage profitability, credit proposals, and strategic accounts. You will act as the primary contact for credit, deposits, and service queries, while building relationships with senior decision makers.

You will drive cross-selling, coordinate with product lines, and conduct regular portfolio health checks. The role requires due diligence during onboarding and proactive risk management.

Qualifications

• Experience building and maintaining professional relationships with key decision makers.
• Ability to perform financial risk analysis and prepare credit proposals.
• Familiarity with Know-Your-Customer processes and onboarding due diligence.
• Proactive portfolio health monitoring and potential debt restructuring actions.

Responsibilities

• Conduct profitability analysis and account strategy formulation with product specialists as needed.
• Serve as first-line contact for credit, deposits and product/service queries including operational issues.
• Develop relationships with senior client stakeholders (CEO, CFO, etc.).
• Identify new business opportunities and perform outreach through calls/visits.
• Coordinate with product lines to drive cross-selling and timely delivery of services.
• Periodic health checks on customer portfolios and annual creditworthiness reviews.
• Monitor asset quality and initiate appropriate recovery actions when needed.
• Fulfill other tasks as assigned by bank management and ensure credit files are maintained.

Skills

Client relationship management

Credit analysis

Cross-selling

KYC (Know-Your-Customer)

Portfolio health checks

Job description

- 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.

- 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.

- To develop and maintain professional customer relationships with key decision makers (viz. CEO, CFO, Head of Treasury, Head of HR etc).

- 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.

- 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.

- 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.

- 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.

- 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.

- To undertake any other related tasks as determined by the management of the Bank from time to time.

- To take accountability in ensuring credit files are properly maintained.