Senior Relationship Manager, Commercial Banking

Alliance Bank Malaysia Berhad; Kuala Lumpur; Presencial; MYR 89.000 - 134.000; Tempo integral

Resumo da vaga

Alliance Bank Malaysia Berhad in Kuala Lumpur seeks a seasoned Corporate Banking Credit Analyst to originate and manage borrowing relationships, performing KYC and negotiating facility terms with clients.

You will prepare credit applications, coordinate with GCA and Legal to issue offers and perfect security, and monitor covenants, annual reviews, and portfolio stress tests, ensuring timely drawdown and active risk management.

Qualificações

• At least 3 years of commercial banking credit and risk analysis experience.
• Strong sales management skills.
• Strong interpersonal and communication skills.
• Strong administrative and managerial expertise.
• Good customer service skills.
• Strong understanding of credit and risk analysis processes.
• Good market knowledge and intelligence.

Responsabilidades

• Develop and originate new borrowing relationships with thorough understanding of clients (KYC) and negotiate facility structure, pricing, security, covenants and terms.
• Prepare and present full set of credit applications for approval by the relevant approving authority.
• Liaise with Group Credit Administration (GCA) and Group Legal to ensure timely issuance of offers and perfection of security documentation as per approved terms for swift facility implementation and drawdown.
• Follow up on covenants and terms imposed by approving authority to ensure compliance and closure.
• Ensure timely submission of annual reviews.
• Ensure facilities are well utilized and accounts are well conducted.
• Conduct regular channel checks on clients’ reputation in the market.
• Conduct regular marketing calls on existing clients for annual reviews, soliciting for credit and transaction banking opportunities, early risk identification.
• Conduct quarterly stress tests of the existing portfolio.

Conhecimentos

Sales management

Interpersonal skills

Communication skills

Administrative skills

Customer service

Credit and risk analysis

Market knowledge

Descrição da vaga

• Develop and originate new borrowing relationships which involve in-depth understanding of the clients (Know Your Customer) and negotiation on key issues including but not limited to facility structure, pricing, security arrangement, covenants and terms and conditions.
• Prepare and present full set of credit application for approval by the relevant approving authority.
• Liaise closely with Group Credit Administration (GCA) and Group Legal to ensure timely issuance of Letter of Offer or Letter of Advice, as the case may be, and perfection of relevant security documentation as per approved terms and conditions for swift facility implementation and drawdown.
• Closely follow up on covenants, terms and conditions imposed by approving authority to ensure compliance and closure.
• Ensure timely submission of annual review.
• Ensure facilities are well utilized and account is well conducted.
• Conduct regular channel checks on client’s reputation in the market.
• Conduct regular marketing calls on existing clients for purpose of annual reviews, soliciting for credit and transaction banking opportunities, early risk identification, as the case may be.
• Conduct quarterly stress test of existing portfolio.

Alliance Bank Malaysia Berhad

Job Responsibilities

• Develop and originate new borrowing relationships which involve in-depth understanding of the clients (Know Your Customer) and negotiation on key issues including but not limited to facility structure, pricing, security arrangement, covenants and terms and conditions.
• Prepare and present full set of credit application for approval by the relevant approving authority.
• Liaise closely with Group Credit Administration (GCA) and Group Legal to ensure timely issuance of Letter of Offer or Letter of Advice, as the case may be, and perfection of relevant security documentation as per approved terms and conditions for swift facility implementation and drawdown.
• Closely follow up on covenants, terms and conditions imposed by approving authority to ensure compliance and closure.
• Ensure timely submission of annual review.
• Ensure facilities are well utilized and account is well conducted.
• Conduct regular channel checks on client’s reputation in the market.
• Conduct regular marketing calls on existing clients for purpose of annual reviews, soliciting for credit and transaction banking opportunities, early risk identification, as the case may be.
• Conduct quarterly stress test of existing portfolio.

Job Requirement

• At least 3 years of commercial banking credit and risk analysis experience
• Good sales management skills
• Strong interpersonal and communication skill
• Strong general administrative and managerial expertise
• Good customer service skill
• Strong understanding of credit and risk analysis processes
• Good market knowledge and intelligence