Senior Account Manager

Bank Pembangunan Malaysia Berhad (BPMB); Kuala Lumpur; On-site; MYR 80,000 - 100,000; Full time

Job summary

A financial institution in Malaysia is seeking a Senior Account Manager to assess project viability and prepare credit proposals. The ideal candidate must have at least 5 years of experience in the banking industry, strong financial analysis skills, and effective communication abilities. Responsibilities include evaluating credit aspects and ensuring compliance with credit policies. Join the team to drive sustainable development and positively impact Malaysia's future.

Qualifications

• At least 5 years of experience in the financial/banking industry.
• High level of integrity.
• Customer focus.
• Possess a strong flair for business report writing skill.

Responsibilities

• Assess project viability of financing applications and prepare credit proposals.
• Analyze financial accounts and evaluate credit aspects for project viability.
• Identify, assess and mitigate project risks.
• Ensure compliance with credit policy and guidelines.

Skills

Effective customer communication skills

Interpersonal skills

Negotiation skills

Financial modelling/analysis

Good command of Excel

Education

Tertiary education with focus in financial management

Job description

Elevate Your Banking Career with us! Be part of a team that is driving sustainable development and making positive impact on Malaysia's future.

Job Summary

To assess project viability of financing applications and prepare credit proposal for approval in the sectors mandated to BPMB in order to achieve the annual budget and contribute towards achieving the financial targets and growth of loan asset of the bank.

Job Description

• Analyze and interpret past financial accounts and compare the turnover growth, profitability, financial ratios with those of similar establishments in the same industries.
• Evaluate other credit aspects include the management, industry, market competition, security and cash flow projections to ensure that the project is financially and commercially viable with appropriate covenants, terms and conditions imposed.
• Identify, assess and mitigate the project risks.
• Prepare comprehensive credit proposal (for new or additional facility) and credit review (for existing facility) including risk analysis for relevant credit committee’s approval and endorsement (i.e. Group Credit Committee and Board Credit Committee (if required)).
• Process and prepare proposal paper for changes of terms and conditions of financing such as increase in financing tenure, financing amount and changes in key management team or security arrangement.
• Prepare Letter of Offer and Letter of Changes in accordance with the approved terms and conditions.
• Liaise with external parties such as auditors, bankers, solicitors, valuers and regulatory authorities during the course of credit evaluation and the supporting departments of the bank.
• Visit clients and project sites for projects under evaluation.
• Ensure fast and efficient credit appraisal and good customer relationship in order to enhance customer loyalty.
• Entertaining queries from existing and potential clients.
• Perform credit check through CTOS, CCRIS and RAMCI to evaluate customer conduct of account and credit history.
• Assist in presentation of financing proposals to the Approving Authority.
• Ensure compliance with credit policy and guidelines including the timely submission of credit proposal to the approving authorities.
• Provide feedback/input on improvement to the areas pertaining to credit policy and guidelines.
• Strive to enhance personal skills, knowledge and expertise.
• Inducts and guides new recruits.

Job Requirements

• Tertiary education with focus in financial management.
• At least 5 years of experience in financial/banking industry
• Effective customer communication skills.
• Interpersonal skills.
• High level of integrity.
• Customer focus.
• Negotiation skills.
• Financial modelling/analysis
• Possess a strong flair for business report writing skill.
• Good command of excel

Requirement

Senior Account Manager (Open)

Don't miss out this opportunity, let's CREATE your journey to excellence with us!

Be careful - Don’t provide your bank or credit card details when applying for jobs. Don't transfer any money or complete suspicious online surveys. If you see something suspicious, report this job ad.