Relationship Manager, Commercial Sabah, Commercial Client Solutions 3 - Group Institutional Banking
Req ID:
5052
Job Description:
Relationship Manager Commercial Banking Sabah, Sales Team 4, Business
Summary:
Responsible for the growth in Asset Portfolio and Generate Revenue/income in line with the KPI through prudent management of the existing clients and acquisition of new clients.
Duties and Responsibilities:
Account Relationship
- To originate new financing proposals from Public Listed Companies, Government-linked Companies, Private Companies and other related companies.
- To acquire and market the Bank's product.
- To monitor business activities or and to be alert on adversity and/or variation in the customers' risk profile by highlighting to the Management with recommendations on appropriate action to be taken.
- To conduct a review of the customers' facility and recommend the course of action to be taken.
- To ensure that all accounts under the portfolio are reviewed on time and the status of the business is properly updated.
- To ensure that all proposals or leads initiated by Business Generators, internal and/or external sources are properly evaluated.
- Managed relationships with existing customers.
Marketing and acquisition of new customers
- To plan marketing schedules for new customers within the target market
- To acquire new financing prospects either from existing customers or a new relationships or Business Generators.
- Preparation of “Credit Proposal’ and to get approval from respective Financing Committee.
- Preparation of Letter of Offer and follow-up on the acceptance.
- To assist the 'disbursement and/or activation' process with the Sales Support Team and Credit Admin.
- To assist that the prospects are within the accepted risk appetite in an effort to secure quality customers
- To assist that all terms duly complied including all other pre-disbursement conditions prior to utilization of the facility by customers.
- To monitor the account of the concluded deal.
- To maximize revenue from the group of customers
- To grow business via cross-selling of other services
- Ensure adherence and compliance to internal policies/guidelines and external regulatory requirements.
- Any other duties/assignments as and when directed/assigned by the superior as per business requirement from to time.
Maximize wallet share of the customers/group
- Maintain and manage customer relationship
- Marketing of bank’s products and services - cross-selling approach
- Monitor the growth and quality of the business portfolio in order to meet the target.
Requirements:
- Degree in related discipline or equivalent experience
- Minimum of 4 years experience in the banking industry
- Product knowledge
- Credit Assessment skill
- Customer Oriented
- Resourceful and Creative
- Negotiation and Interpersonal skills