Relationship Manager, Commercial Banking (Klang)

CIMB; Klang City; On-site; MYR 65,000 - 100,000; Full time

Job summary

CIMB Bank Malaysia is seeking a Banking professional to conduct profitability analysis, formulate account strategies, and execute cross-selling activities for both existing and potential clients. You will be the first-line contact for queries on credit, deposits, and other products, while building relationships with senior decision makers and ensuring proper due diligence during onboarding.

You will coordinate with product teams, monitor portfolio health, and lead financial and risk analysis to

Responsibilities

• Conduct profitability analysis and account strategy for existing and potential clients.
• Serve as first-line contact for credit, deposits and other products.
• Build relationships with key decision makers (CEO, CFO, Head of Treasury, HR).
• Identify prospects, perform outreach and due diligence during onboarding.
• Perform financial and risk analysis and prepare credit presentations for approval.
• Coordinate with product lines and units to develop the portfolio and cross-sell.
• Conduct periodic health checks of portfolios and ensure documentation and data are up to date.
• Monitor asset quality and initiate restructuring or recovery actions when needed.
• Undertake other related tasks as required by management.
• Maintain credit files accurately and securely.

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.