Senior Relationship Manager

2 weeks ago


Menara Affin TRX, Malaysia AFFIN BANK Full time 90,000 - 120,000 per year
Create your future with Affin ​​You too can make a difference.

Join us at AFFIN, where the open minds meet and be inspired by a shared commitment to great work. Here, you don't just stay at the forefront of the industry – you can make a difference too.

JOB PURPOSE
Assist HOD in credit acquisition of corporate loans/ financings to exceed targets as well as managing the team members.

ACCOUNTABILITIES

1. CREDIT ACQUISITION

• Work with HOD and lead the Team Members with a focus on originating deals, wallet sizing, and cross-selling on an existing portfolio, exceeding clients' expectations and overall growth.

• Work within the confines of the Risk Management framework.

2. 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.

3. CLIENT RELATIONSHIP MANAGEMENT

• Support, identify, solicit, and establish a high-value client base for the bank

• The ultimate ownership of customer relationships 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.

4. 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 of NPL.

• Provide customer-level information to relevant parties within the Bank.

• Facilitate the drawdown of facilities.

5. 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, guide and advise the ARM on their portfolio management.

6. COMPLIANCE WITH REGULATORY AND BANK POLICIES AND PROCEDURES

• To comply with regulations 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 and 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 reporting suspicious transactions.

• Apply regulatory requirements such as KYC, AML/CFT, and procedures at all times.

7. ADDITIONAL RESPONSIBILITIES

• Undertake additional responsibilities e.g. working committees etc. assigned by the immediate superior when required.
QUALIFICATIONS

• Degree in Finance, Accounting, or equivalent.

• Candidates with professional credit certifications such as PCC, CCE, BCP, and Chartered Banker will be an added advantage.

• Minimum 6 years of banking experience with majority exposure to corporate banking and credit risk management.



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