Relationship Manager, Group Corporate Banking

Affin Bank Berhad; Kuala Lumpur; On-site; MYR 75,000 - 95,000; Full time

Job summary

Affin Bank Berhad in Kuala Lumpur seeks an experienced professional to assist the Head of Department in credit acquisition for corporate loans. The successful candidate will focus on maximizing client earnings and managing a portfolio of corporate accounts while ensuring high compliance with regulatory requirements.

The role calls for at least 5 years of experience in banking, with a strong emphasis on credit risk management and corporate banking. Professional certifications are advantageous.

Qualifications

• Minimum 5 years of banking experience with a focus on corporate banking and credit risk management.
• Experience in auditing is an advantage.
• Professional credit certification such as PCC, CCE, BCP, Chartered Banker is a plus.

Responsibilities

• Assist Head of Department in credit acquisition for corporate loans.
• Maximize earnings and revenue of client relationships.
• Manage portfolio's ECL and ensure asset quality.
• Establish a high-value client base.
• Ensure compliance with regulatory and internal policies.

Skills

Credit Acquisition

Portfolio Management

Client Relationship Management

Compliance with Regulatory Policies

Risk Management

Education

Degree in Finance, Accounting or equivalent

Job description

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

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. 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 affected 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.
6. 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.