Relationship Manager, Structured Finance

Relationship Manager, Structured Finance

AFFIN Group WP. Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia

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Job Purpose

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

Accountabilities

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

Qualifications

Seniority level

Mid‑Senior level

Employment type

Full‑time

Job function and Industries

Sales and Business Development; Banking

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