Relationship Manager (Nationwide)

AFFIN Group; Kuching; On-site; MYR 100,000 - 150,000; Full time

Job summary

An established industry player is seeking a dynamic professional to enhance client relationships and manage credit operations. This role involves maximizing account profitability, ensuring quality service management, and proactively managing a portfolio of SME accounts. You will play a crucial part in maintaining high standards of operational risk management and compliance while fostering strong client relationships. If you are passionate about finance and eager to make a significant impact in a collaborative environment, this opportunity is perfect for you.

Qualifications

• Degree in relevant fields like Accounting, Finance, or Business required.
• Experience in marketing and credit processing is essential.

Responsibilities

• Maximize earnings potential and monitor account performance.
• Ensure quality credit processing and manage overdue accounts.
• Support and establish a high-value client base.

Skills

Credit Processing

Client Relationship Management

Public Speaking

Marketing

Operational Risk Management

Business Acumen

Education

Degree in Accounting

Degree in Finance

Degree in Banking

Degree in Business

Degree in Economics

Tools

Risk Control Self-Assessment (RCSA)

Key Control Standard (KCS)

Key Risk Indicators (KRI)

Scenario Analysis (ScAN)

Job description

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

Join us at AFFIN, where open minds meet and are inspired by a shared commitment to great work. Here, you don’t just stay at the forefront of the industry – you can make a difference too.

Job Purpose

Account Profitability

1. Maximise earnings potential and revenue of relationship.
2. Review and monitor performance of accounts.

Service Management

1. Ensure promptness and quality of credit processing.
2. Monitor overdue accounts and undertake prompt measures to prevent NPLs.
3. Provide customer level information to relevant parties within the Bank.
4. Facilitate the drawdown of facilities.

Client Relationship Management

1. Support, identify, solicit and establish a high value client base.
2. Accountable for customer relationship and customer interface.

Operations Management

1. Manage proactively a portfolio of SME accounts by monitoring the status and credit risk of each account.
2. Coordinate and/or liaise with branches/head office departments to maximize process efficiency and customer satisfaction.

Additional Responsibilities

1. Act as Backup Compliance Coordinator and assume responsibilities as required under BNM’s document policy and Bank’s Anti Money Laundering Guidelines/Manual for the Business Centre (BC).
2. Act as the Backup Operational Risk Coordinator for implementation of Operational Risk Management and Methodologies for the BC.
3. Champion Operational Risk Management (ORM) activities in the Business Unit.
4. Liaise with Group Operational Risk Management (GORM) on ORM activities.
5. Responsible to report ALL operational defects (Actual Losses, Potential Losses and Near Miss Events including Shariah Non – Compliance [SNC] events) via Loss Event Database (LED) in timely manner.
6. Utilize the Operational Risk (OR) Tools i.e. Risk Control Self-Assessment (RCSA), Key Control Standard (KCS), Key Risk Indicators (KRI) and Scenario Analysis (ScAN) in managing Risk exposure.
7. Undertake additional responsibilities assigned by immediate superior as and when required.
8. Act as the Backup BCP/DRP Coordinator for Business Contingency Plan for the Business Centre (BC).

Job Requirements

1. Degree in Accounting, Finance, Banking, Business, Economics or any similar discipline.
2. Experienced in marketing and credit processing.
3. Strong command of Bahasa Malaysia and English, both oral and written.
4. Good public speaking and presentation skills.
5. Overall Bank’s Credit, Operations and Product knowledge.
6. Keep abreast with SME issues, policies and trends in the country.
7. Basic business acumen and industry knowledge.