Relationship Manager, Commercial Banking - Sabah

1. Develop and originate new borrowing relationships which involve in-dept 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.

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 review which cannot be completed in time supported by proper justifications.

8. Ensure facilities are well utilized and account is well conducted.

9. Conduct regular channel checks on client's reputation in the market.

10. 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.

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 annoucements 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, Consumer Banking, Transaction Banking (Cash Management and Trade Finance) and Treasury.

16. Swift identification of early warning signals and high risk accounts and reporting under Early Warning, if any.

17. Handling ad-hoc assignments as and when tasked by management.