Senior Relationship & Credit Manager

Alliance Bank Malaysia Berhad; Kuala Lumpur; On-site; MYR 120,000 - 190,000; Full time

Job summary

Alliance Bank Malaysia Berhad in Kuala Lumpur is seeking a seasoned Commercial Banking Credit and Risk Analyst to develop borrowing relationships, assess client risk, and manage facilities end-to-end. You will prepare credit applications, coordinate with Group Credit Administration and Group Legal, monitor covenants, and ensure timely annual reviews.

Strong interpersonal, sales, and governance skills are essential to succeed in a fast-paced banking environment with a focus on client service and

Qualifications

• At least 6 years of commercial banking credit and risk analysis experience.
• Experience in client relationship management and credit negotiations.
• Ability to coordinate with credit administration and legal teams.

Responsibilities

• Develop and originate new borrowing relationships with in-depth client understanding and negotiation on facility structure, pricing, security, covenants and terms.
• Prepare and present full set of credit applications for approval by the relevant authority.
• Liaise with Group Credit Administration and Group Legal to ensure timely documentation and facility drawdown.
• Follow up on covenants to ensure compliance and closure.
• Ensure timely submission of annual reviews and well-utilized facilities.
• Conduct regular channel checks on client reputation and perform annual reviews for credit opportunities.
• Perform quarterly stress tests on the existing portfolio.

Skills

Credit risk analysis

Sales management

Interpersonal communication

Customer service

Administrative & managerial

Market knowledge

Job description

Alliance Bank Malaysia Berhad in Kuala Lumpur is seeking a seasoned Commercial Banking Credit and Risk Analyst to develop borrowing relationships, assess client risk, and manage facilities end-to-end. You will prepare credit applications, coordinate with Group Credit Administration and Group Legal, monitor covenants, and ensure timely annual reviews.

Strong interpersonal, sales, and governance skills are essential to succeed in a fast-paced banking environment with a focus on client service and