Job Summary:**
The Senior Account Relationship Manager (Commercial) at RHB Bank Berhad is responsible for managing and growing a portfolio of commercial clients, fostering strong relationships, identifying their financial needs, and providing comprehensive banking solutions to achieve business growth and profitability targets.
Job Responsibilities:**
* Manage and grow a portfolio of commercial clients, including large corporations, SMEs, and institutional clients, ensuring client satisfaction and retention.
* Develop and maintain strong, long-term relationships with key decision-makers and stakeholders within client organizations.
* Conduct in-depth financial analysis of clients' businesses to understand their financial needs and identify opportunities for cross-selling and upselling RHB Bank's products and services, including corporate lending, trade finance, cash management, treasury, and investment products.
* Prepare and present credit proposals, financial analyses, and risk assessments to relevant credit committees, ensuring compliance with internal policies and regulatory requirements.
* Negotiate terms and conditions for credit facilities and other banking products, ensuring mutually beneficial agreements for both the bank and the client.
* Actively prospect and acquire new commercial clients to expand the bank's market share and revenue streams.
* Collaborate with product specialists and other internal departments to deliver integrated and customized financial solutions to clients.
* Monitor market trends, competitive landscape, and regulatory changes impacting the commercial banking sector.
* Ensure timely and accurate reporting on client portfolio performance, sales activities, and pipeline management.
* Adhere to all internal policies, procedures, and regulatory requirements, including anti-money laundering (AML) and know-your-customer (KYC) guidelines.
* Provide mentorship and guidance to junior relationship managers as required.
Job Qualifications:**
* Bachelor's degree in Business Administration, Finance, Economics, or a related field. MBA or relevant professional certifications (e.g., CFA) are a plus.
* Minimum of 7 years of progressive experience in commercial banking relationship management, with a proven track record of managing and growing a portfolio of commercial clients.
* Strong understanding of corporate lending, trade finance, cash management, treasury products, and other commercial banking solutions.
* Excellent credit analysis and financial modeling skills.
* Proven ability to build and maintain strong client relationships and effectively negotiate complex financial transactions.
* Exceptional communication, presentation, and interpersonal skills.
* Strong analytical and problem-solving abilities.
* Ability to work independently and as part of a team in a fast-paced environment.
* Demonstrated ability to meet and exceed sales and profitability targets.
* Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint).
* Knowledge of the Malaysian banking landscape and regulatory environment is highly advantageous.
Skills Required
- Bachelor's degree in Business Administration, Finance, Economics, or related field
- Minimum of 7 years progressive experience in commercial banking relationship management
- Strong understanding of corporate lending, trade finance, cash management, treasury products
- Excellent credit analysis and financial modeling skills
- Proven ability to build and maintain strong client relationships and negotiate complex financial transactions
- Exceptional communication, presentation, and interpersonal skills
- Strong analytical and problem-solving abilities
- Ability to work independently and as part of a team
- Demonstrated ability to meet and exceed sales and profitability targets
- Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint)
- MBA or relevant professional certifications (e.g., CFA)
- Knowledge of the Malaysian banking landscape and regulatory environment
What We Do
We are a multinational regional financial services provider that is committed to deliver complete solutions to our clients through differentiated segment offerings and an ecosystem that supports simple, fast and seamless customer experience, underpinned by cohesive and inspired workforce and relationship built with stakeholders Headquartered and listed in Malaysia, RHB Banking Group is the longest established local bank, formed though the mergers of several banks, the oldest of which was founded in 1913. RHB Banking Group and its subsidiaries provide a full range of services ranging from retail banking, business banking, corporate and investment banking, Islamic banking, transaction banking to treasury, insurance, asset management, private equity and stockbroking services. TOGETHER WE PROGRESS Our strong heritage is the foundation of our commitment to continue serving the community. For over a 100 years, we have been helping people and businesses grow and succeed, and will continue to do so. Our experience gives us an in-depth understanding of the needs of our customers and partners, inspiring us to constantly innovate and improve to serve them better. With their unending support, we have established ourselves with a strong footprint throughout Malaysia and we are now present in 9 other countries across the ASEAN region. We hope our legacy and pursuit for excellence continues as we tirelessly cultivate and nurture the next generation through our actions and words, preparing a brighter future ahead. We thank those who believe in us and welcome everyone to join us on our exciting journey of progress. The time has come for us to move forward in unison, to realise our greater potential together. Our new brand promise "Together We Progress” honours our past, celebrates the present and welcomes the future. We invite you to join us as we work towards a better and brighter future for all.
