Relationship Manager, SME Plus (Penang)

CIMB Bank Berhad; Penang; On-site; MYR 90,000 - 150,000; Full time

Job summary

CIMB Bank Berhad in Malaysia seeks an experienced SME Relationship Manager to actively lead the management of a portfolio of existing SME business customers, deepen relationships, and onboard new clients in line with Balance Sheet and P&L objectives.

You will conduct profitability analysis, prepare credit proposals, and collaborate with product teams to drive cross-sell while ensuring KYC and due diligence during onboarding.

Qualifications

• Must manage a portfolio of SME customers with a focus on profitability.
• Ability to prepare credit proposals and collaborate with product specialists.
• Strong client engagement and relationship-building skills.
• Knowledge of KYC requirements and onboarding processes.

Responsibilities

• Lead management of a portfolio of SME customers and deepen relationships.
• Conduct profitability analysis and formulate account strategies for clients.
• Serve as primary contact for credit, deposits and banking services.
• Develop new business opportunities while ensuring KYC compliance during onboarding.
• Monitor asset quality and initiate actions for restructuring or recovery when needed.

Skills

Portfolio management

Relationship management

Credit analysis

KYC & due diligence

New business development

Job description

To actively lead the management of a portfolio of existing SME business customers in a dynamic fashion by proactively deepening existing relationships whilst effectively weeding out weaker or potential distressed customers as well as adding new customers of the required quality and quantity in line with the Balance Sheet and Profit & Loss objectives of SME Banking Division and the Group.

Description

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.

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.

Build and maintain strong professional relationships with key decision-makers such as CEOs, CFOs, Heads of Treasury, and Heads of HR.

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.

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.

Collaborate with other product lines and departments to drive portfolio growth, leverage cross-selling opportunities, and ensure timely and accurate delivery of services.

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.

Proactively monitor asset quality, identify early warning signals, and initiate appropriate actions such as restructuring, rescheduling, or legal recovery measures.

Undertake additional responsibilities as assigned by Bank management from time to time.

Ensure proper maintenance of credit files and uphold accountability for documentation integrity.

Unlock job insights

Banking & Credit More than 10,000 employees

CIMB Group is one of ASEAN’s leading universal banking groups and is Malaysia’s second largest financial services provider, by assets. It offers consumer banking, commercial banking, investment banking, Islamic banking and asset management products and services. Headquartered in Kuala Lumpur, the Group is present in all 10 ASEAN nations (Malaysia, Indonesia, Singapore, Thailand, Cambodia, Brunei, Vietnam, Myanmar, Laos and Philippines). Beyond ASEAN, the Group has market presence in China, Hong Kong, India, Sri Lanka, Korea, the US and UK.

CIMB Group has the most extensive retail branch network in ASEAN approximately of 720 branches as at 30 September 2019. CIMB Group’s investment banking arm is also one of the largest Asia Pacific-based investment banks, offering amongst the most comprehensive research coverage around of 600 stocks in the region.

CIMB Group operates its business through three main brand entities, CIMB Bank, CIMB Investment Bank and CIMB Islamic. CIMB Group is also the 92.5% shareholder of Bank CIMB Niaga in Indonesia, and 94.8% shareholder of CIMB Thai in Thailand.

CIMB Group is listed on Bursa Malaysia via CIMB Group Holdings Berhad. It had a market capitalisation of approximately RM48.9 billion as at 30 September 2019. The Group has around 36,000 employees located in 16 countries

For more information, please visit www.cimb.com

CIMB Group is one of ASEAN’s leading universal banking groups and is Malaysia’s second largest financial services provider, by assets. It offers consumer banking, commercial banking, investment banking, Islamic banking and asset management products and services. Headquartered in Kuala Lumpur, the Group is present in all 10 ASEAN nations (Malaysia, Indonesia, Singapore, Thailand, Cambodia, Brunei, Vietnam, Myanmar, Laos and Philippines). Beyond ASEAN, the Group has market presence in China, Hong Kong, India, Sri Lanka, Korea, the US and UK.

CIMB Group has the most extensive retail branch network in ASEAN approximately of 720 branches as at 30 September 2019. CIMB Group’s investment banking arm is also one of the largest Asia Pacific-based investment banks, offering amongst the most comprehensive research coverage around of 600 stocks in the region.

CIMB Group operates its business through three main brand entities, CIMB Bank, CIMB Investment Bank and CIMB Islamic. CIMB Group is also the 92.5% shareholder of Bank CIMB Niaga in Indonesia, and 94.8% shareholder of CIMB Thai in Thailand.

CIMB Group is listed on Bursa Malaysia via CIMB Group Holdings Berhad. It had a market capitalisation of approximately RM48.9 billion as at 30 September 2019. The Group has around 36,000 employees located in 16 countries

For more information, please visit www.cimb.com

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