SME Relationship Manager - Kuala Lumpur

AmBank Group; Kuala Lumpur; On-site; MYR 78,000 - 123,000; Full time

Job summary

AmBank Group is recruiting for an SME Relationship Manager in Malaysia. The role focuses on driving new business acquisition, engaging SME clients, and securing lending relationships.

You will prepare credit propositions and ensure risk mitigation before submission to Credit Risk, while collaborating with product partners to offer holistic banking solutions. The position emphasizes structuring facilities, safeguarding asset quality, and proactive client management, including site visits and

Qualifications

• Bachelor’s degree or Diploma holder, preferably with at least 2 years of sales experience.
• Candidates without banking sales experience and fresh graduates are encouraged to apply.
• Knowledge or experience in Banking and Financial Services is an added advantage.
• Strong understanding of financial accounting, with solid analytical skills in financial statement assessment and cash flow analysis.
• Excellent communication and interpersonal skills, with the ability to engage effectively with customers.
• Strong inclination toward a sales-driven environment and achieving business results.

Responsibilities

• Drive new business acquisition by identifying, engaging, and securing SME lending relationships.
• Prepare comprehensive credit propositions for new-to-bank clients, ensuring risks are mitigated before submission to Credit Risk.
• Collaborate with product partners to deliver holistic banking solutions.
• Structure banking facilities in compliance with credit and lending policies.
• Safeguard asset quality through prudent credit assessment and ongoing monitoring.
• Follow through with clients to ensure acceptance of facilities and timely drawdown.
• Account management: monitor facility utilization and respond to ad-hoc client requests.
• Evaluate and process applications for additional credit facilities in line with policies.
• Maintain regular client engagement, including site visits and discussions to understand business developments.
• Identify and drive cross-selling opportunities across the bank’s products.

Skills

Sales skills

Communication

Negotiation

Customer engagement

Education

Bachelor’s degree or Diploma

Job description

Drive new business acquisitionby proactively identifying, engaging, and securing new SME lending relationships.

Prepare comprehensive credit propositions through our Program Platformfor new-to-bank clients, ensuring that all key risks are clearly articulated and appropriately mitigated prior to submission to Credit Risk.

Collaborate closely with product partnersto deliver holistic banking solutions that meet clients’ financial and operational needs.

Structure banking facilitiesin full compliance with the bank’s credit and lending policies, ensuring sound credit practices.

Safeguard the bank’s asset qualitythrough prudent credit assessment, facility structuring, and ongoing monitoring.

Follow through diligently with clientsto ensure acceptance of approved facilities and timely drawdown of banking lines.

Account Management

Monitor clients’ facility utilizationto ensure optimal usage and identify potential early warning signals.

Handle ad-hoc client requestspromptly and efficiently to support ongoing banking needs.

Evaluate and process applications for additional credit facilities, ensuring compliance with credit and lending policies.

Maintain regular client engagement, including site visits and discussions, to strengthen relationships and understand business developments.

Identify and drive cross‑selling opportunitiesacross the bank’s suite of products and services.

Achieve business targetsaligned with Key Performance Indicators (KPIs) and contribute to overall business goals.

Job Requirements

Bachelor’s degree or Diploma holder, preferably with at least 2 years of sales experience.

Candidates without banking sales experienceand fresh graduatesare also encouraged to apply.

Knowledge or experience in Banking and Financial Servicesis an added advantage.

Strong understanding of financial accounting, with solid analytical skills in financial statement assessmentand cash flow analysis.

Excellent communication and interpersonal skills, with the ability to engage effectively with customers.

Strong inclination toward a sales-driven environmentand achieving business results.

Good communication and negotiation skills, with proficiency in English; ability to speak local dialectsis an added advantage.

Since our founding in August 1975, AmBank Group has grown into one of Malaysia’s largest banking groups by market capitalization. Our dynamic ecosystem includes:

At AmBank Group, we believe that diversity fuels innovation, and creativity drives progress. Our P2ACE Employee Value Proposition—Principled, Proactive, Appreciative, Collaborative, and Experimental—is the heartbeat of our culture. It shapes how we work, how we grow, and how we make a difference.

We’re on the lookout for motivated, agile, and ambitious individuals who are ready to challenge the norm and shape the future of banking.

Join us. Fly High Together with us

Since our founding in August 1975, AmBank Group has grown into one of Malaysia’s largest banking groups by market capitalization. Our dynamic ecosystem includes:

At AmBank Group, we believe that diversity fuels innovation, and creativity drives progress. Our P2ACE Employee Value Proposition—Principled, Proactive, Appreciative, Collaborative, and Experimental—is the heartbeat of our culture. It shapes how we work, how we grow, and how we make a difference.

We’re on the lookout for motivated, agile, and ambitious individuals who are ready to challenge the norm and shape the future of banking.

What can I earn as a Small Medium Entreprise Relationship Manager