Relationship Manager, SME Plus - Klang Valley 4 MY

CIMB; Malaysia; On-site; MYR 50,000 - 70,000; Full time

Job summary

A leading financial institution in Malaysia is seeking a candidate for a role focused on customer profitability analysis and relationship management. The ideal candidate will serve as the primary point of contact for clients, build strong professional relationships with key decision-makers, and develop new business opportunities. Responsibilities also include conducting financial analysis, supporting portfolio growth, and monitoring asset quality. Strong communication skills and banking product knowledge are essential for success in this role.

Qualifications

• Experience in conducting customer profitability analysis and implementing account strategies.
• Strong understanding of banking products and services.
• Proven ability to build and maintain professional relationships.

Responsibilities

• Conduct customer profitability analysis and formulate account strategies.
• Serve as the primary point of contact for customer inquiries.
• Build and maintain strong professional relationships with decision-makers.
• Develop new business opportunities and ensure compliance with KYC requirements.
• Perform comprehensive financial and risk analysis to support decision making.
• Collaborate with product lines to drive portfolio growth.
• Conduct periodic portfolio health checks and manage documentation integrity.
• Proactively monitor asset quality and initiate recovery measures.
• Undertake additional responsibilities as assigned by management.

Skills

Customer relationship management

Financial analysis

Risk assessment

Cross-selling

Communication skills

Job description

1. Conduct customer profitability analysis and formulate account strategies in collaboration with product specialists for both existing and prospective clients. Implement account plans, including cross‑selling initiatives or exit strategies where appropriate.
2. Serve as the primary point of contact for customers on all inquiries related to credit, deposits, and other banking products and services, including operational matters.
3. Build and maintain strong professional relationships with key decision‑makers such as CEOs, CFOs, Heads of Treasury, and Heads of HR.
4. Develop new business opportunities by identifying potential prospects, engaging through various communication channels and visits, and ensuring compliance with Know‑Your‑Customer (KYC) requirements and due diligence during onboarding.
5. Perform comprehensive financial and risk analysis to support sound decision‑making. Prepare and submit well‑structured credit proposals for approval in accordance with internal policies, regulatory guidelines, and applicable rules.
6. Collaborate with other product lines and departments to drive portfolio growth, leverage cross‑selling opportunities, and ensure timely and accurate delivery of services.
7. Conduct periodic portfolio health checks, including annual credit reviews, verification of legal and security documentation, insurance renewals, and accurate system updates post‑disbursement or upon changes.
8. Proactively monitor asset quality, identify early warning signals, and initiate appropriate actions such as restructuring, rescheduling, or legal recovery measures.
9. Undertake additional responsibilities as assigned by Bank management from time to time.
10. Ensure proper maintenance of credit files and uphold accountability for documentation integrity.