Relationship Manager, SME Plus (Penang)

CIMB; Penang; On-site; MYR 120,000 - 200,000; Full time

Job summary

CIMB in Malaysia is seeking an experienced Relationship Manager for SME Banking to actively lead a portfolio of existing SME business customers, deepening relationships while identifying distressed accounts and adding high-quality new clients aligned with the division's financial objectives.

You will conduct profitability analysis, formulate account strategies with product partners, manage credit proposals, ensure KYC compliance, and collaborate across lines to drive portfolio growth and

Qualifications

• Proficient in evaluating profitability and setting account strategies.
• Ability to handle credit, deposits and banking product knowledge.
• Strong understanding of Know-Your-Customer (KYC) requirements and due diligence.
• Experience in cross-selling and managing SME portfolios.

Responsibilities

• Lead a portfolio of existing SME customers and deepen relationships.
• Weed out weaker or distressed customers and add high-quality new clients.
• Conduct profitability analysis and formulate account strategies with product specialists.
• Serve as primary contact for credit, deposits and banking services.
• Prepare credit proposals and ensure compliance with internal policies and regulatory guidelines.
• Monitor asset quality, conduct credit reviews, and maintain documentation integrity.

Skills

Relationship management

Credit analysis

KYC compliance

Financial analysis

Cross-selling

Portfolio management

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.