Relationship Manager (Nationwide)

AFFIN Group; Skudai; On-site; MYR 60,000 - 80,000; Full time

Job summary

A financial services company in Skudai, Malaysia is seeking a candidate for account management, focusing on maximizing profitability and managing SME relationships. The ideal applicant should have a degree in finance or a similar field and possess strong marketing, credit processing, and communication skills in both Bahasa Malaysia and English. Additional experience in operational risk management is a plus.

Qualifications

• Strong command of Bahasa Malaysia and English, both oral and written.
• Keep abreast with SME issues, policies, and trends in the country.

Responsibilities

• Maximise earnings potential and revenue of relationship.
• Review and monitor performance of accounts.
• Ensure promptness and quality of credit processing.
• Monitor overdue accounts and mitigate risks.
• Facilitate the drawdown of facilities.
• Support and establish a high value client base.
• Manage a portfolio of SME accounts proactively.

Skills

Marketing skills

Credit processing

Public speaking

Presentation skills

Knowledge of banking operations

Business acumen

Education

Degree in Accounting, Finance, Banking, Business, Economics

Job description

Overview

Create your future with Affin! You too can make a difference. Join us at AFFIN, where the open minds meet and be 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

Responsibilities

• Account Profitability: Maximise earnings potential and revenue of relationship.
• Accountability: Review and monitor performance of accounts.
• Service Management: Ensure promptness and quality of credit processing.
• Credit Monitoring: Monitor overdue accounts and undertake prompt measures to prevent NPLs.
• Information Sharing: Provide customer level information to relevant parties within the Bank.
• Facilities Management: Facilitate the drawdown of facilities.
• Client Relationship Management: Support, identify, solicit and establish a high value client base.
• Customer Interface: Accountable for customer relationship and customer interface.
• Operations Management: Manage proactively a portfolio of SME accounts by monitoring the status and credit risk of each account.
• Coordination: Coordinate and/or liaise with branches / head office departments to maximize process efficiency and customer satisfaction.

Additional Responsibilities

• 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).
• Act as the Backup Operational Risk Coordinator for implementation of Operational Risk Management and Methodologies for the BC.
• Champion Operational Risk Management (ORM) activities in the Business Unit.
• Liaise with Group Operational Risk Management (GORM) on ORM activities.
• 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.
• 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.
• Undertake additional responsibilities assigned by immediate superior as and when required
• Act as the Backup BCP/DRP Coordinator for Business Contingency Plan for the Business Centre (BC).

Job Requirements

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