Relationship Manager, Structured Finance

Affin Bank Berhad; Kuala Lumpur; On-site; MYR 80,000 - 120,000; Full time

Job summary

Affin Bank Berhad in Kuala Lumpur is looking for a professional to assist in credit acquisition for corporate loans and manage team members effectively. The role requires a strong focus on client relationships and exceeding targets in corporate banking.

Ideal candidates should have a degree in Finance or Accounting, extensive corporate banking experience, and the ability to supervise and mentor team members. Additional professional qualifications and credit risk expertise will be considered advantageous.

Qualifications

• Minimum 6 years of banking experience with corporate banking and credit risk management exposure.
• Professional credit certifications such as PCC, CCE, BCP, and Chartered Banker are a plus.

Responsibilities

• Assist in credit acquisition of corporate loans to exceed targets.
• Manage team members and relationships with high-value clients.
• Monitor and review revenue performance of relationships.

Skills

Corporate banking experience

Credit risk management

Client relationship management

Mentoring and coaching

Education

Degree in Finance, Accounting, or equivalent

Tools

AML/CFT procedures

Job description

Job Purpose

Assist HOD in credit acquisition of corporate loans/ financings to exceed targets as well as managing the team members.

Responsibilities

CREDIT ACQUISITION

• Work with HOD and lead the Team Members with a focus on originating deals, wallet sizing, and cross-selling on an existing portfolio, exceeding clients’ expectations and overall growth.
• Work within the confines of the Risk Management framework.

ACCOUNT PROFITABILITY

• Maximize earnings potential and revenue of relationships.
• Review and monitor revenue performance.
• Multiple products sold to clients.
• Managing portfolio’s ECL and ensuring asset quality of the portfolio.

CLIENT RELATIONSHIP MANAGEMENT

• Support, identify, solicit, and establish a high-value client base for the bank.
• The ultimate ownership of customer relationships and customer interface.
• Activate opportunities and risk criteria.
• Manage proactively a portfolio of corporate accounts by monitoring the status and credit risk of each account.
• Internal coordination/liaison with service delivery centres / HQ departments to maximise process efficiency and customer satisfaction.

SERVICE MANAGEMENT

• Promptness in completing annual reviews, other credit submissions, and preparation of Executive Summary, where necessary.
• Ensure promptness and quality of credit processing.
• To present all annual review papers to Group Management Credit Committee.
• Monitor overdue accounts and undertake prompt measures to prevent deterioration of NPL.
• Provide customer-level information to relevant parties within the Bank.
• Facilitate the drawdown of facilities.

STAFF DEVELOPMENT

• Mentor and coach to the Assistant Relationship Manager(s) (ARM).
• Identify training needs and recommend ARM for development training.
• When and where necessary, guide and advise the ARM on their portfolio management.

COMPLIANCE WITH REGULATORY AND BANK POLICIES AND PROCEDURES

• To comply with regulations and Bank’s internal policies and procedures and provide feedback to ensure better efficiency.
• Ensure that client instructions are duly effected by applying all standard checks and controls and coordinating with other departments including Operations/Finance/ Compliance.
• Accurately assess the risk profile, suitability, and appropriateness of clients when marketing products and services by maintaining an accurate and up-to-date call report.
• To manage the application of AML/CFT internal programs and procedures including proper maintenance of records and reporting suspicious transactions.
• Apply regulatory requirements such as KYC, AML/CFT, and procedures at all times.

ADDITIONAL RESPONSIBILITIES

• Undertake additional responsibilities e.g. working committees etc. assigned by the immediate superior when required.

Qualifications

• Degree in Finance, Accounting, or equivalent.
• Candidates with professional credit certifications such as PCC, CCE, BCP, and Chartered Banker will be an added advantage.
• Minimum 6 years of banking experience with majority exposure to corporate banking and credit risk management.