Relationship Manager, SME Plus - Klang Valley 1 MY

CIMB Group Holdings Berhad; Klang City; On-site; MYR 100,000 - 150,000; Full time

Job summary

A financial services company in Klang City is seeking a professional to manage customer relationships and conduct profitability analyses. This role involves being the primary contact for clients, developing new business opportunities, and performing financial evaluations. Candidates should demonstrate strong communication skills and a proactive approach to monitoring asset quality. The position is essential for ensuring the effective management of credit files and adherence to banking regulations.

Responsibilities

• Conduct customer profitability analysis and account strategy formulation.
• Be the first-line primary contact for the customer.
• Maintain professional relationships with key decision-makers.
• Identify prospects and develop new business relationships.
• Perform financial and risk analysis and submit credit proposals.
• Coordinate with other product lines for portfolio development.
• Conduct periodic health checks on customer portfolios.
• Monitor asset quality and take necessary actions.
• Undertake other related tasks as determined by management.
• Ensure credit files are properly maintained.

Job description

Responsibilities

• Conduct customer profitability analysis and account strategy formulation with the help of product specialists, as required, for both existing and potential clients. Execute the account strategy plan including cross‑selling activities or phase‑out activities.
• Be the first‑line primary contact person for the customer on all queries relating to credit, deposits and other products and services including on operational issues.
• Develop and maintain professional customer relationships with key decision makers (viz. CEO, CFO, Head of Treasury, Head of HR, etc.).
• Develop new business relationships by identifying suitable prospects and using various means of communication and visits to seek out suitable business opportunities. Understand Know‑Your‑Customer processes involved and carry out proper due diligence when on‑boarding a new customer.
• Perform financial & risk analysis, evaluation and decision‑making and submit well‑written credit presentations/memos/proposals for approval by the relevant Approving Authority based on the rules, regulations, policies, procedures and guidelines of the Bank and those of relevant regulatory authorities, as applicable.
• Coordinate with other product lines, departments and units for overall development of the portfolio including tapping on cross‑selling opportunities as well as ensuring prompt and proper delivery of relevant services.
• Conduct a periodic health check on the portfolio of customers including but not limited to an annual review of the credit‑worthiness of existing borrowing/financing accounts, to ensure and confirm that all legal/security documentation is intact and legally enforceable, insurance policies are current and renewed on expiry, in addition to ensuring that data is correctly and accurately updated in the system after disbursement or any changes requested.
• Proactively monitor the asset quality of customers in the portfolio by detecting early warning signs and promptly undertake or initiate debt/financing restructuring, rescheduling or legal recovery action, as applicable.
• Undertake any other related tasks as determined by the management of the Bank from time to time.
• Take accountability in ensuring credit files are properly maintained.