Senior Relationship Manager, Commercial Banking

Alliance Bank; Kuala Lumpur; On-site; MYR 180,000 - 240,000; Full time

Job summary

Alliance Bank in Kuala Lumpur is seeking a Senior Relationship Manager for Commercial Banking to lead lending, client relationships, and risk-focused credit decisions. You will structure facilities, coordinate with credit and legal teams, and drive profitable growth with a disciplined risk posture.

The role requires strong sales leadership, superior communication, and a deep understanding of credit and risk processes across a diverse client base in the commercial sector.

Qualifications

• At least 8 years of commercial banking credit and risk analysis experience.
• Strong sales management and client relationship skills.
• Excellent interpersonal and communication abilities.

Responsibilities

• Develop and originate new borrowing relationships with in-depth client understanding and negotiation on facility structure and terms.
• Prepare and present full credit applications for approval by relevant authority.
• Coordinate with Group Credit Administration and Group Legal for timely security documentation and facility drawdown.
• Monitor covenants and terms to ensure compliance and closure of facilities.
• Ensure timely submission of annual reviews for clients.
• Ensure facilities are well utilized and accounts are well managed.
• Conduct regular channel checks on clients’ market reputation.
• Perform regular marketing calls for credit opportunities and risk identification.
• Conduct quarterly stress tests of existing portfolios.

Skills

Credit analysis

Risk analysis

Relationship management

Sales management

Interpersonal skills

Communication skills

Job description

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Senior Relationship Manager, Commercial Banking

Location: Kuala Lumpur, Federal Territory of Kuala Lumpur, MY, 57000

Category: Permanent

Facility: 3450

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 ofLetter 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 8 years of commercial banking credit and risk analysis experience
• Good sales management skills
• Strong interpersonal and communication skill
• Strong general administrative and managerial expertise
• Strong understanding of credit and risk analysis processes