Relationship Manager/Senior Relationship Manager, Corporate Banking

Alliance Bank Malaysia Berhad; Kuala Lumpur; On-site; MYR 70,000 - 120,000; Full time

Job summary

A leading financial institution in Kuala Lumpur is seeking a Relationship Manager/Senior Relationship Manager to manage a corporate banking portfolio. The successful candidate will develop client relationships, prepare credit applications, and ensure compliance with agreements. Candidates must have at least 3-6 years of relevant experience and demonstrate strong sales and negotiation skills in a corporate setting.

Qualifications

• Strong understanding of credit and risk analysis processes.
• Excellent sales management and negotiation skills.
• Good market knowledge and intelligence.

Responsibilities

• Manage a portfolio of designated corporate banking clients.
• Develop and originate new borrowing relationships.
• Prepare credit applications for approval.
• Coordinate with departments for timely documentation.
• Monitor covenants and compliance.

Skills

Credit and risk analysis

Sales management

Negotiation skills

Market knowledge

Job description

About Alliance Bank Malaysia Berhad

Alliance Bank Malaysia Berhad and its subsidiary, Alliance Islamic Bank Berhad, offer banking and financial solutions through its consumer, SME, corporate, commercial, and Islamic banking services. The Bank provides easy access to its broad customer base across the country via multiple delivery channels, including retail branches, Privilege Banking Centres, Business Centres, Investment Bank branches, and mobile and Internet banking.

We are currently seeking a high-caliber professional to join our Corporate Banking department under the Group Corporate & Institutional Banking division as a Relationship Manager or Senior Relationship Manager.

The Role

A successful candidate will be responsible for managing a portfolio of designated Corporate Banking clients (both existing and new prospects) to achieve key performance indicators.

Job Responsibilities

• Develop and originate new borrowing relationships, understanding clients deeply (Know Your Customer) and negotiating key issues such as facility structure, pricing, security arrangements, covenants, and terms and conditions.
• Prepare and present comprehensive credit applications for approval by relevant authorities. For cases requiring EXCO review, prepare a summary highlighting purpose, key risks, mitigants, and justifications.
• Coordinate with Group Company Secretary to ensure accurate and timely finalization of minutes and update matters arising accordingly.
• Liaise with Credit Support & Administration (CSA) and Group Legal to ensure swift issuance of Letters of Offer or Advice and proper security documentation per approved terms for efficient facility implementation and drawdown.
• Monitor covenants, terms, and conditions to ensure compliance and closure.
• Ensure timely submission of annual reviews.
• Seek proper extensions through Expired Limit Extension (ELE) for reviews not completed on time, with appropriate justifications.
• Ensure facilities are fully utilized and accounts are properly managed.
• Conduct regular reputation checks on clients in the market.
• Perform regular marketing calls for annual reviews, credit solicitation, transaction banking opportunities, and early risk detection.
• Conduct quarterly stress tests on existing portfolios.
• Where applicable, analyze financial results of publicly listed companies on Bursa Malaysia quarterly.
• Monitor corporate announcements of Bursa Malaysia-listed companies daily and discuss findings with the team for relationship enhancement or risk mitigation.
• Provide proactive customer service with prompt responses to client requests.
• Engage in cross-selling of AFG products in collaboration with Investment Banking, Transaction Banking, and Treasury, meeting KPIs.
• Identify early warning signals and high-risk accounts, reporting as necessary.
• For settled accounts, submit cancellation CAS for credit underwriting and record-keeping.
• Handle ad-hoc tasks assigned by management.

Skills & Job Requirements

• Strong understanding of credit and risk analysis processes.
• Good market knowledge and intelligence.
• Excellent sales management and negotiation skills, especially with middle to senior management of large corporate clients.

Experience

• Minimum 3 years of corporate & commercial banking credit and risk analysis experience for Relationship Managers; at least 6 years for Senior Relationship Managers.