Senior Relationship Manager, Commercial Banking

Alliance Bank Malaysia Berhad; Subang Jaya; On-site; MYR 120,000 - 180,000; Full time

Job summary

Alliance Bank Malaysia Berhad is seeking a seasoned Credit Analyst to develop and originate borrowing relationships, conduct thorough credit risk assessments, and negotiate facility terms. You will coordinate with GCA and Legal for timely documentation and drawdown, while ensuring covenants are met and annual reviews completed.

The role requires strong interpersonal and communication abilities, solid market knowledge, and experience in commercial banking credit and risk analysis.

Qualifications

• At least 3 years of commercial banking credit and risk analysis experience.
• Good sales management skills and strong interpersonal skills.
• Strong understanding of credit and risk analysis processes.
• Excellent customer service and market knowledge.

Responsibilities

• Develop and originate new borrowing relationships with KYCustomer understanding and negotiation of facility terms.
• Prepare and present full credit applications for approval.
• Liaise with Group Credit Administration (GCA) and Group Legal for documentation and drawdown.
• Closely follow up on covenants to ensure compliance and closure.
• Ensure timely submission of annual reviews and that facilities are well utilized.
• Conduct channel checks on client reputation in the market and perform quarterly stress tests.

Skills

Credit analysis

Relationship management

Negotiation

Communication skills

Sales management

Market knowledge

Job description

• 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 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