Strategic SME Relationship Manager & Credit Lead

RHB Banking Group; Selangor; On-site; MYR 70,000 - 130,000; Full time

Job summary

RHB Banking Group in Malaysia seeks a credit-focused Middle Market/SME relationship manager to maintain and deepen a core portfolio, and actively acquire new customers and loans.

You will work with product specialists, prepare credit proposals, ensure credit requirements are met, and deliver letters of offer, while monitoring customer experience and addressing process lapses. The role demands strong credit writing and analytical skills, networking ability, and a proactive mindset.

Qualifications

• Bachelor's degree in Finance/Accountancy/Banking, Marketing or equivalent.
• Minimum 3 years experience in credit, with exposure to risk management and credit processing.
• Strong credit writing and analytical skills.
• Excellent networking, market knowledge, financial analysis, sales and business acumen.

Responsibilities

• Maintain and deepen relationships with a minimum core portfolio of 30 Middle Market/SME clients.
• Actively drive primary sales through acquisition of new Middle Market/SME customers and through new loans to existing clients.
• Carry out account planning with product specialists to identify customers to engage, and products to offer based on their needs.
• Monitor overall customer experience and pre-empt or address any process lapses or delays in TAT.
• Ensure customers meet basic credit requirements, and maintain new Non-Performing Loans (NPL) within approved budget.
• Provide the qualitative credit assessment for each application.
• Work closely with Account Managers to prepare credit proposals.
• Vet, sign and deliver Letters of Offer.

Skills

Networking

Market knowledge

Financial analysis

Sales

Proactive

Energetic

Result oriented

Business acumen

Education

Bachelor's degree in Finance/Accountancy/Banking, Marketing or equivalent

Job description

• Maintain and deepen relationships with minimum core portfolio of 30 Middle Market/SME clients.
• Actively drive primary sales through acquisition of new Middle Market / SME customers and through new loans to existing clients.
• Carry out account planning with product specialists to identify customers to engage, and products to offer based on their needs.
• Monitor overall customer experience and per-empt or address any process lapses or delays in TAT.
• Ensure customers meet basic credit requirements, and maintain new Non-Performing Loans (NPL) within approved budget.
• Provide the qualitative credit assessment for each application.
• Work closely with Account Managers to prepare credit proposals.
• Vet, sign and deliver Letters of Offer.
  
  

• Maintain and deepen relationships with minimum core portfolio of 30 Middle Market/SME clients.
• Actively drive primary sales through acquisition of new Middle Market / SME customers and through new loans to existing clients.
• Carry out account planning with product specialists to identify customers to engage, and products to offer based on their needs.
• Monitor overall customer experience and per-empt or address any process lapses or delays in TAT.
• Ensure customers meet basic credit requirements, and maintain new Non-Performing Loans (NPL) within approved budget.
• Provide the qualitative credit assessment for each application.
• Work closely with Account Managers to prepare credit proposals.
• Vet, sign and deliver Letters of Offer.
  
  

Job Requirements

• Candidate must possess at least a Bachelor's Degree in Finance/Accountancy/Banking, Marketing or equivalent.
• Minimum 3 years of working experience in credit with exposure to credit risk management and commercial including credit processing, evaluation and appraisal is required for this position.
• Possess strong credit writing and analytical skills.
• Required skill(s): Networking, Market knowledge, Financial Analysis, Sales, Proactive, Energetic, Result Oriented and Possess good business acumen.