Relationship Manager - Malaysia, Kuala Lumpur - AFFIN Group

    AFFIN Group
    AFFIN Group Malaysia, Kuala Lumpur

    2 weeks ago

    Default job background
    Full time
    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.

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

    Accountabilities

    • Credit Acquisition
    • Work with Head of Department and lead the Team Members with a focus on originating deals, wallet sizing and cross-selling on existing portfolio, 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.
    • Managing portfolio's ECL and ensuring asset quality of the portfolio.
    • 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
    • Promptness in completing annual reviews, other credit submissions and preparation of Executive Summary, where necessary.
    • Ensure promptness and quality of credit processing
    • To present all annual review papers to Group Management Credit Committee.
    • 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 Assistant Relationship Manager(s) (ARM)
    • Identify training needs and recommend ARM for development training.
    • When and where necessary, to guide and advise the ARM of their 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
    • Additional Responsibilities
    • Undertake additional responsibilities e.g. working committees etc. assigned by the immediate superior when required.

    Qualifications And Experience

    • Degree in Finance, Accounting or equivalent.
    • Experience in auditing will be an added advantage
    • Candidate with professional credit certification such as PCC, CCE, BCP, Chartered Banker will be an added advantage.
    • Minimum 5 years of banking experience with majority exposure to corporate banking and credit risk management.