Relationship Manager - Middle Market / SME (Penang)

RHB Group; Penang; On-site; MYR 120,000 - 240,000; Full time

Job summary

RHB Group in Malaysia seeks a seasoned Relationship Manager for corporate and commercial banking to grow and maintain a portfolio of clients. You will manage client portfolios, ensuring high satisfaction and retention while actively cross-selling loans, trade finance, treasury, and deposits.

Responsibilities include rigorous credit assessments, preparing credit proposals, and building long-term relationships with key decision-makers.

Qualifications

• Bachelor's degree in finance, business, accounting, economics or related field.
• 3–5 years in commercial or corporate banking with relationship and credit underwriting experience.
• Strong skills in financial statement analysis, credit evaluation, risk management.
• CCP or equivalent banking certifications advantageous.

Responsibilities

• Portfolio management and growth of assigned corporate/commercial clients.
• Acquire new-to-bank clients and promote a range of financial products.
• Conduct credit assessments and prepare credit proposals for approval.
• Maintain risk and compliance by following bank policies and regulations.

Skills

Relationship management

Credit underwriting

Financial statement analysis

Negotiation skills

Education

Bachelor's degree in Finance/Business/Accounting/Economics

Job description

• Portfolio Management - Manage and grow an assigned portfolio of corporate and commercial banking clients, ensuring high levels of customer satisfaction and retention.
• Business Development - Actively acquire new-to-bank clients and cross-sell a wide range of RHB’s financial products, including loans, trade finance, treasury, and deposit services.
• Credit Analysis & Underwriting - Conduct thorough credit assessments, financial analysis, and risk evaluations of client accounts, and prepare comprehensive credit proposals for approval.
• Relationship Building - Serve as the primary point of contact for clients, establishing deep relationships with key decision-makers to understand their business operations and long-term financial goals.
• Risk & Compliance Management - Monitor portfolio health actively to identify early warning signs of credit deterioration, and ensure all transaction processing adheres strictly to bank policies, legal regulations, and compliance standards.

Job Requirements:

• A Bachelor’s Degree in Finance, Business Administration, Accounting, Economics, or a related field from a recognized institution.
• Minimum of 3 to 5 years of experience in commercial or corporate banking, with a proven track record in relationship management and credit underwriting.
• Strong proficiency in financial statement analysis, credit evaluation, and structural risk management.
• Certified Credit Professional (CCP) or equivalent banking certifications will be highly advantageous.
• Exceptional communication, negotiation, and interpersonal skills, with the ability to engage effectively with corporate clients and senior management.