Relationship Manager, Northern

Overview

Join us at AFFIN where 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 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. Manage multiple products sold to clients. Manage portfolio’s ECL and ensure 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. Coordinate with service delivery centers / HQ departments to maximize process efficiency and customer satisfaction.
• Service Management — Ensure promptness in completing annual reviews, other credit submissions and preparation of Executive Summary where necessary. 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 development training. Guide and advise the ARM on portfolio management when necessary.
• Compliance to regulatory and Bank's policies and procedures — Comply with regulatory and internal policies and procedures and provide feedback to improve efficiency. Ensure client instructions are duly effected by applying standard checks and controls, coordinating with Operations / Finance / Compliance. Assess risk profile, suitability and appropriateness of clients when marketing products and services, maintaining an up-to-date call report. Manage AML / CFT internal programs and procedures including proper record maintenance and reporting of suspicious transactions. Apply regulatory requirements such as KYC, AML / CFT at all times.
• Additional Responsibilities — Undertake additional responsibilities (e.g., working committees) 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.

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