Senior Relationship Manager, Commercial Banking

Alliance Bank; Subang Jaya; On-site; MYR 150,000 - 200,000; Full time

Job summary

A leading Malaysian financial institution is looking for a Senior Relationship Manager for Commercial Banking. In this role, you will develop new borrowing relationships and oversee credit applications. The ideal candidate should have at least 5 years of experience in commercial banking credit and risk analysis. Skills in sales management and strong communication abilities are essential. The position offers a dynamic work environment with opportunities for growth.

Qualifications

• Minimum of 5 years of experience in commercial banking credit and risk analysis.
• Strong understanding of credit and risk analysis processes.

Responsibilities

• Develop and manage new borrowing relationships.
• Prepare credit applications for approval.
• Liaise with Group Credit Administration and Legal.
• Ensure compliance with covenants and conditions.
• Submit annual facility reviews.
• Monitor facility utilization and account conduct.
• Perform client reputation checks.
• Conduct marketing calls for annual reviews.
• Execute quarterly stress tests on portfolios.

Skills

Sales management

Interpersonal communication

General administrative skills

Job description

Senior Relationship Manager, Commercial Banking

12d ago , from Alliance Bank Malaysia Berhad

• 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

• Good sales management skills
• Strong interpersonal and communication skill
• Strong general administrative and managerial expertise
• At least 5 years of commercial banking credit and risk analysis experience.
• Strong understanding of credit and risk analysis processes