Relationship Manager, Commercial Banking

Key Responsibilities

1. 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.
2. Prepare and present full set of credit application for approval by the relevant approving authority. For cases going to EXCO for review, a summary highlighting purpose, key risk issues and mitigants / justifications shall be prepared.
3. Follow up with Group Company Secretary for finalization and accuracy of minutes and ensure minutes updates / matters arising are promptly and correctly updated.
4. 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.
5. Closely follow up on covenants, terms and conditions imposed by approving authority to ensure compliance and closure.
6. Ensure timely submission of annual review.
7. Ensure proper extension is sought through Expired Limit Extension (ELE) for reviews which cannot be completed in time supported by proper justifications.
8. Ensure facilities are well utilized and accounts are well conducted.
9. Conduct regular channel checks on client’s reputation in the market.
10. Conduct regular marketing calls on existing clients for the purpose of annual reviews, soliciting for credit and transaction banking opportunities, early risk identification, as the case may be.
11. Conduct quarterly stress test of existing portfolio.
12. Where applicable, conduct quarterly tracking and analysis of financial results of public listed companies on Bursa Malaysia
13. Where applicable, conduct daily monitoring of corporate announcements of public listed companies on Bursa Malaysia and report to/ discuss same with team leader, be it opportunity to enhance banking relationship or early risk identification.
14. Ensure satisfactory level of proactive customer service with reasonable turnaround time on ad-hoc requests from clients.
15. Cross-selling of AFG products as per agreed KPIs by working closely with Investment Banking, Group Transformation & Transaction Banking (Cash Management and Trade Finance) and Treasury.
16. Swift identification of early warning signals and high risk accounts and reporting under PRC, if any.
17. For account which has been fully settled, cancellation CA shall be put up for Group Credit Underwriting notation and GCA for record.
18. Handling ad-hoc assignments as and when tasked by management.

Requirement

• At least 5 years of commercial banking credit and risk analysis experience.
• Knowledge of various banking products including but not limited to treasury, trade finance, cash management and investment banking.
• Ability to interact and negotiate with senior management of large commercial client.
• Ability to ensure proper account management. 
• Quality and customer service minded culture.
• Open minded with positive attitudes towards building the business, structure and team.
• Good market knowledge and intelligence.
• Good sales management skills.
• Strong interpersonal and communication skill.