Senior Relationship Manager

AFFIN Group; Johor Bahru; On-site; MYR 60,000 - 80,000; Full time

Job summary

A leading financial services provider in Johor Bahru is seeking an experienced banking professional to assist in credit acquisition and manage team performance. The ideal candidate holds a degree in Finance or Accounting with at least 3 years of experience in corporate banking. Key responsibilities include managing client relationships, leading team members, and ensuring compliance with banking regulations. This role offers the opportunity to guide Credit Analysts and maximize account profitability.

Qualifications

• Degree in Finance, Accounting or equivalent is required.
• Professional credit certification such as PCC, CCE, BCP, Chartered Banker is an added advantage.
• Minimum of 3 years of banking experience focused on corporate banking and credit risk management.

Responsibilities

• Assist Head of Department in credit acquisition for corporate loans.
• Lead the team members in originating deals and exceeding client expectations.
• Maximize earnings and review revenue performance of relationships.
• Manage a portfolio of corporate accounts and monitor credit risk.
• Mentor and coach Credit Analysts and identify training needs.

Skills

Client relationship management

Credit risk management

Team leadership

Compliance knowledge

Education

Degree in Finance, Accounting or equivalent

Professional credit certification (PCC, CCE, BCP, Chartered Banker)

Job description

Create the future with Affin! You too can make a difference.

We continuously innovate to transform our financial services landscape - making banking better and easier. Join us at AFFIN, where the open minds meet and be inspired by a shared commitment to great work. You too can make a difference.

Job Purpose

Assist Head of Department in credit acquisition of corporate loans to exceed target as well as managing the team members.

Accountabilities

Credit Acquisition

• Lead the Team Members with a focus on originating deals, exceeding clients expectations and overall growth.
• Work within the confines of the Risk Management framework.

Account Profitability

• Maximize earnings potential and revenue of relationships
• Review and monitor revenue performance
• Multiple products sold to clients

Client Relationship Management

• Support, identify, solicit and establish a high value client base for the bank
• Ultimate ownership of customer relationship and customer interface
• Activate opportunities and risk criteria.
• Manage proactively a portfolio of corporate accounts by monitoring the status and credit risk of each account
• Internal coordination/liaison with service delivery centers / HQ departments to maximize process efficiency and customer satisfaction

Service Management

• Ensure promptness and quality of credit processing
• Monitor overdue accounts and undertake prompt measures to prevent deterioration to NPL.
• Provide customer level information to relevant parties within the Bank
• Facilitate the drawdown of facilities.

Staff Development

• Mentor and coach to the Credit Analyst (CA)
• Identify training needs and recommend CA for development training.
• When and where necessary, to guide and advise the CA of his portfolio management

Compliance to Regulatory and Bank's Policies and Procedures

• To comply with regulatory and Bank’s internal policies and procedures and provide feedback to ensure better efficiency.
• Ensure that client instructions are duly effected by applying all standard checks and controls, coordinating with other departments including Operations/Finance/Compliance.
• Accurately assess the risk profile, suitability and appropriateness of clients when marketing products and services by maintaining an accurate and up to date call report.
• To manage the application of AML/CFT internal programs and procedures including proper maintenance of records and to report suspicious transactions.
• Apply regulatory requirements such as KYC, AML/CFT and procedures at all times.

Qualifications And Experience

• Degree in Finance, Accounting or equivalent
• Candidate with professional credit certification such as PCC, CCE, BCP, Chartered Banker will be an added advantage.
• Minimum 3 years of banking experience with majority exposure to corporate banking and credit risk management.