Senior Account Relationship Manager (Commercial)

RHB Group; Sabah; Vor Ort; MYR 120.000 - 170.000; Vollzeit

Zusammenfassung

RHB Bank Berhad is seeking a Senior Account Relationship Manager (Commercial) to manage and grow a portfolio of commercial banking clients in Sabah. You will advise mid-sized and large enterprises, driving growth through new client acquisition and cross-selling of lending, trade finance, cash management, and treasury services.

The role demands 5–8 years in commercial banking, strong credit analysis, and proven relationship-building with CFOs and directors.

Qualifikationen

• Bachelor's degree in Finance, Business Administration, Accounting, Economics or related field.
• 5–8 years in commercial or corporate banking with relationship management and credit underwriting track record.
• Holding CCP or CB qualifications is advantageous.
• Strong analytical skills with knowledge of credit analysis and cash flow interpretation.
• Excellent communication, negotiation, interpersonal skills and ability to work in a team.
• Knowledge of Sabah and Malaysian regulatory landscape governing banking services.

Aufgaben

• Manage and grow an assigned portfolio of commercial banking clients, ensuring satisfaction and retention.
• Identify and acquire new-to-bank commercial clients to grow market share and meet revenue targets.
• Evaluate clients' finances; structure and assess credit facilities including bridging finance, project finance and trade finance.
• Cross-sell cash management, treasury, wealth management, and transactional services with product teams.
• Monitor risk and compliance; ensure adherence to regulatory and internal policies.
• Build strong, long-term relationships with business owners, CFOs and directors to understand needs.

Kenntnisse

Analytical skills

Communication

Negotiation

Interpersonal skills

Team player

Relationship management

Ausbildung

Bachelor's Degree in Finance/Business/Accounting/Economics

Tools

Credit analysis

Jobbeschreibung

Job Summary

RHB Bank Berhad is seeking a highly skilled and experienced Senior Account Relationship Manager (Commercial) to manage and grow our portfolio of commercial banking clients. In this role, you will act as a trusted financial advisor to mid-sized and large commercial enterprises, driving business growth through the acquisition of new customers and the cross‑selling of RHB's diverse financial solutions, including lending, trade finance, cash management, and treasury services.

Job Summary

RHB Bank Berhad is seeking a highly skilled and experienced Senior Account Relationship Manager (Commercial) to manage and grow our portfolio of commercial banking clients. In this role, you will act as a trusted financial advisor to mid-sized and large commercial enterprises, driving business growth through the acquisition of new customers and the cross‑selling of RHB's diverse financial solutions, including lending, trade finance, cash management, and treasury services.

Job Responsibilities

• Portfolio Management & Growth: Manage, retain, and grow an assigned portfolio of commercial banking clients, ensuring high levels of customer satisfaction and retention.
• Business Development: Actively identify and acquire new-to-bank commercial clients to expand RHB's market share and meet predefined revenue and volume targets.
• Credit Structuring & Analysis: Evaluate clients' financial positions, perform comprehensive credit risk assessments, and structure customized credit facilities (including bridging finance, project financing, working capital, term loans, and trade finance) in accordance with the bank's risk appetite.
• Cross-Selling: Collaborate with product specialists to cross‑sell a wide range of banking products, including cash management, treasury, wealth management, and transactional services.
• Risk & Compliance Management: Monitor account conduct and asset quality proactively to mitigate credit risks. Ensure all business activities comply with regulatory requirements, internal policies, and ethical standards.
• Relationship Building: Establish strong, long‑term relationships with key decision‑makers, including business owners, CFOs, and directors, to understand their business strategies and financial needs.

Job Qualifications

• Education: A Bachelor's Degree in Finance, Business Administration, Accounting, Economics, or a related discipline from a recognized institution.
• Experience: Minimum of 5 to 8 years of experience in commercial or corporate banking, with a proven track record in relationship management and credit underwriting.
• Professional Certifications: Holding professional qualifications such as Certified Credit Professional (CCP) or Chartered Banker (CB) is highly advantageous.
• Technical Skills: Strong analytical skills with deep knowledge of credit analysis, financial statement interpretation, cash flow analysis, and commercial banking products.
• Soft Skills: Exceptional communication, negotiation, interpersonal skills and effective team player.
• Market Knowledge: Understanding of the local economic landscape, industry trends, and regulatory/legal/land ordinance frameworks governing the Malaysian banking sector (especially Sabah).