Senior Relationship Manager, Southern Corporate Office

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

JOB 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.

1. 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.

1. 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.

1. 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.

1. 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.

1. 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.

1. 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.