Job Description

Relationship Manager Commercial Banking Sabah, Sales Team 4, BusinessSummary: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 \xe2\x80\x9cCredit 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

Bank Islam