Job description:
About our client:Our client is one of the leading financial services organisations in Malaysia. With a heritage of more than 100 years, they provide comprehensive financial services covering consumer banking, business banking and trade finance, treasury, branch and transaction banking, wealth management, private banking and Islamic financial services.Apart from banking, they are also involved in the provision of insurance and takaful, as well as investment banking, unit trust, fund management and stock broking services.Responsibilities:Acquire new account relationships:Manage a portfolio of existing Commercial Banking Account relationship in order to grow both funded income and non–funded income.Manage a portfolio of accounts in order to provide value – added banking advice and customized financial solutions in order to optimize revenue generation from the portfolio.Write credit applications for new account acquisition and ensure timely review and renewal of existing accounts.Ensure acceptable asset quality of existing portfolio by being pro-active and up-todate in terms of market intelligence in relation to accounts and industry of portfolio managed.Work closely with product partners including Trade Services, Global Markets, and Deposit Liability Management in order to meet financial and banking requirements of clients in a wholesome manner.Ensure that banking facilities offered to clients are structured in compliance with credit lending policies.Ensure that key risks of cases are adequately addressed by in CAs before submission to Wholesale CreditTo preserve the assets quality of the bank at all timesTo monitor and encourage utilization of existing facilities under the portfolio in order to increase revenue.Close follow through with clients on to ensure acceptance of the Bank’s facilities and subsequent drawdown.Account Prospecting:Identifying and contacting prospectsEvaluating prospects financing needsAssessing and putting up Credit Applications to Wholesale CreditPreparing and following up of acceptance of offerAccount Management:Monitoring utilizationProcessing ad-hoc requestsProcessing requests for additional facilitiesReviewing annually or periodically borrower’s facilitiesKeep in contact with Customers e.g. through site visitations etcExploring cross-selling opportunitiesOthers:Meeting business targets set via KRASubmitting timely management reports to HOProviding hands-on training and guidance to subordinates (if any)Requirements:Minimum 7 years experience in commercial loan/salesEducation/Qualification - Degree in Finance / Economics or equivalentSpecial Skills - Credit SkillsTo drive commercial banking sales and deliver sales target assigned by the management.
