The Role
The Relationship Manager conducts profitability analysis, develops strategies, builds client relationships, performs financial analyses, and ensures compliance with banking regulations.
Summary Generated by Built In
- Conduct customer profitability analysis and formulate account strategies in collaboration with product specialists for both existing and prospective clients. Implement account plans, including cross-selling initiatives or exit strategies where appropriate.
- Serve as the primary point of contact for customers on all inquiries related to credit, deposits, and other banking products and services, including operational matters.
- Build and maintain strong professional relationships with key decision-makers such as CEOs, CFOs, Heads of Treasury, and Heads of HR.
- Develop new business opportunities by identifying potential prospects, engaging through various communication channels and visits, and ensuring compliance with Know-Your-Customer (KYC) requirements and due diligence during onboarding.
- Perform comprehensive financial and risk analysis to support sound decision-making. Prepare and submit well-structured credit proposals for approval in accordance with internal policies, regulatory guidelines, and applicable rules.
- Collaborate with other product lines and departments to drive portfolio growth, leverage cross-selling opportunities, and ensure timely and accurate delivery of services.
- Conduct periodic portfolio health checks, including annual credit reviews, verification of legal and security documentation, insurance renewals, and accurate system updates post-disbursement or upon changes.
- Proactively monitor asset quality, identify early warning signals, and initiate appropriate actions such as restructuring, rescheduling, or legal recovery measures.
- Undertake additional responsibilities as assigned by Bank management from time to time.
- Ensure proper maintenance of credit files and uphold accountability for documentation integrity.
Skills Required
- Experience in customer profitability analysis and account management
- Knowledge of banking products and services
- Ability to build relationships with senior executives
- Strong financial and risk analysis skills
- Experience with KYC compliance
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The Company
What We Do
CIMB Group is a leading ASEAN universal bank, one of the largest Asian investment banks and one of the world's largest Islamic banks. We are headquartered in Kuala Lumpur, Malaysia and offer consumer banking, commercial banking, wholesale banking, Islamic banking, and asset management products and services. As the fifth largest banking group in ASEAN, we have over 36,000 staff in 16 locations across ASEAN, Asia and beyond. CIMB Bank and CIMB Islamic Bank are members of PIDM.
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