Senior Relationship Manager, Corporate Banking

About Alliance Bank Malaysia Berhad
Alliance Bank Malaysia Berhad and its subsidiary, Alliance Islamic Bank Berhad, offers banking and financial solutions through its consumer, SME, corporate, commercial and Islamic banking. The Bank provides easy access to its broad base of customers throughout the country via multi-pronged delivery channels that include retail branches, Privilege Banking Centres, Business Centres, and Digital banking services.

We are currently seeking a high caliber professional to join our Corporate Banking department under Group Corporate & Institutional Banking division as a Relationship Manager or Senior Relationship Manager.

The Role
A successful candidate in this position will be accountable to manage a portfolio of designated Corporate Banking clientele (existing and new prospect) to achieve the allocated key performance indicators.

Job Description

• 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.
• 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.
• Follow up with Group Company Secretary for finalization and accuracy of minutes and ensure minutes updates / matters arising are promptly and correctly updated.
• Liaise closely with Credit Support & Administration (CSA) 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.
• Closely follow up on covenants, terms and conditions imposed by approving authority to ensure compliance and closure.
• Ensure timely submission of annual review.
• Ensure proper extension is sought through Expired Limit Extension (ELE) for reviews which cannot be completed in time supported by proper justifications.
• Ensure facilities are well utilized and account is well conducted.
• Conduct regular channel checks on client's reputation in the market.
• 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.
• Conduct quarterly stress test of existing portfolio.
• Where applicable, conduct quarterly tracking and analysis of financial results of public listed companies on Bursa Malaysia.
• 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.
• Ensure satisfactory level of proactive customer service with reasonable turnaround time on ad-hoc requests from clients.
• Cross-selling of AFG products as per agreed KPIs by working closely with Investment Banking, Transaction Banking (Cash Management and Trade Finance) and Treasury.
• Swift identification of early warning signals and high risk accounts and reporting under NEWS, if any.
• For account which has been fully settled, cancellation CAS shall be put up for Group Credit Underwriting notation and CSA for record.
• Handling ad-hoc assignments as and when tasked by management.

Skills
Job Requirements

• Strong understanding of credit and risk analysis processes
• Good market knowledge and intelligence
• Good sales management and negotiation skills in dealing with middle to senior management of large corporate clientele.

Experience

• At least 3 years of corporate & commercial banking related credit and risk analysis experience for Relationship Manager; At least 6 years for Senior Relationship Manager.