Relationship Manager, Corporate Banking

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.

Job Purpose

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

Job 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.

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.

Job Purpose

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

Job 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.