Relationship Manager, Corporate Banking

AFFIN Group; Kuala Lumpur; On-site; MYR 60,000 - 90,000; Full time

Job summary

AFFIN Group is seeking a seasoned corporate banking professional to support the Head of Department in credit acquisition for corporate loans and financings. You will lead team members, optimize wallet sizes, and cross-sell within an existing portfolio while upholding risk management standards.

The role emphasizes client relationship management, proactive credit risk oversight, and compliance with AML/CFT and KYC policies.

Qualifications

• Degree in Finance, Accounting or equivalent.
• Experience in auditing will be an added advantage.
• Professional credit certifications (PCC, CCE, BCP, Chartered Banker) will be an added advantage.
• Minimum 5 years of banking experience with exposure to corporate banking and credit risk management.

Responsibilities

• Assist Head of Department in credit acquisition for corporate loans/financings and manage team members.
• Maximise earnings potential and revenue of relationships; monitor portfolio performance.
• Own client relationship management and proactive risk monitoring of corporate accounts.
• Ensure timely credit processing, annual reviews, and executive summaries for credit committee.
• Mentor and coach Assistant Relationship Managers to upgrade portfolio management skills.
• Adhere to AML/CFT and KYC regulatory requirements and internal controls.

Skills

Credit analysis

Client relationship

Risk management

Staff development

Regulatory compliance

Education

Finance / Accounting degree

Job description

Create the future with Affin! You too can make a difference.

We continuously innovate to transform our financial services landscape - making banking better and easier. Join us at AFFIN, where the open minds meet and be inspired by a shared commitment to great work. You too can make a difference.

JOB PURPOSE

Assist Head of Department in credit acquisition for corporate loans/ financings to exceed target as well as managing the team members.

JOB ACCOUNTABILITIES :

1. Credit Acquisition
   Work with Head of Department and lead the Team Members with a focus on originating deals, wallet sizing and cross-selling on existing portfolio, exceeding clients’ expectations and overall growth.
   Work within the confines of the Risk Management framework.
   

2. Account Profitability
   Maximize earnings potential and revenue of relationships.
   Review and monitor revenue performance.
   Multiple products sold to clients.
   Managing portfolio’s ECL and ensuring asset quality of the portfolio.
   

3. Client Relationship Management
   Support, identify, solicit and establish a high value client base for the bank
   Ultimate ownership of customer relationship and customer interface
   Activate opportunities and risk criteria.
   Manage proactively a portfolio of corporate accounts by monitoring the status and credit risk of each account.
   Internal coordination/liaison with service delivery centers / HQ departments to maximize process efficiency and customer satisfaction.
   

4. Service Management
   Promptness in completing annual reviews, other credit submissions and preparation of Executive Summary, where necessary.
   Ensure promptness and quality of credit processing
   To present all annual review papers to Group Management Credit Committee.
   Monitor overdue accounts and undertake prompt measures to prevent deterioration to NPL.
   Provide customer level information to relevant parties within the Bank.
   Facilitate the drawdown of facilities.
   

5. Staff Development
   Mentor and coach to the Assistant Relationship Manager(s) (ARM)
   Identify training needs and recommend ARM for development training.
   When and where necessary, to guide and advise the ARM of their portfolio management

6. Compliance to Regulatory and Bank’s Policies and Procedures
   To comply with regulatory and Bank’s internal policies and procedures and provide feedback to ensure better efficiency.
   Ensure that client instructions are duly effected by applying all standard checks and controls, coordinating with other departments including Operations/Finance/ Compliance.
   Accurately assess the risk profile, suitability and appropriateness of clients when marketing products and services by maintaining an accurate and up to date call report.
   To manage the application of AML/CFT internal programs and procedures including proper maintenance of records and to report suspicious transactions.
   Apply regulatory requirements such as KYC, AML/CFT and procedures at all times

7. Additional Responsibilities
   Undertake additional responsibilities e.g. working committees etc. assigned by the immediate superior when required.

QUALIFICATIONS AND EXPERIENCE :

• Degree in Finance, Accounting or equivalent.
• Experience in auditing will be an added advantage
• Candidate with professional credit certification such as PCC, CCE, BCP, Chartered Banker will be an added advantage.
• Minimum 5 years of banking experience with majority exposure to corporate banking and credit risk management.