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JOB PURPOSE

To plan, organize and monitor existing business loan accounts, build customer relationship and cultivate new customers in order to achieve target revenue levels.

ACCOUNTABILITIES

Account Profitability

• Maximise earnings potential and revenue of relationship.

• Review and monitor performance of accounts.

Service Management

• Ensure promptness and quality of credit processing.

• Monitor overdue accounts and undertake prompt measures to prevent NPLs.

• Provide customer level information to relevant parties within the Bank.

• Facilitate the drawdown of facilities.

Client Relationship Management

• Support, identify, solicit and establish a high value client base.

• Accountable for customer relationship and customer interface.

Operations Management

• Manage proactively a portfolio of SME accounts by monitoring the status and credit risk of each account.

• Coordinate and / or liaise with branches / head office departments to maximize process efficiency and customer satisfaction.

Additional Responsibilities

• Act as Backup Compliance Coordinator and assume responsibilities as required under BNM’s document policy and Bank’s Anti Money Laundering Guidelines/Manual for the Business Centre (BC).

• Act as the Backup Operational Risk Coordinator for implementation of Operational Risk Management and Methodologies for the BC.

• Champion Operational Risk Management (ORM) activities in the Business Unit.

• Liaise with Group Operational Risk Management (GORM) on ORM activities.

• Responsible to report ALL operational defects (Actual Losses, Potential Losses and Near Miss Events including Shariah Non – Compliance [SNC] events) via Loss Event Database (LED) in timely manner.

• Utilize the Operational Risk (OR) Tools i.e. Risk Control Self-Assessment (RCSA), Key Control Standard (KCS), Key Risk Indicators (KRI) and Scenario Analysis (ScAN) in managing Risk exposure.

• Undertake additional responsibilities assigned by immediate superior as and when required

• Act as the Backup BCP/DRP Coordinator for Business Contingency Plan for the Business Centre (BC).

JOB REQUIREMENTS  

• Degree in Accounting, Finance, Banking, Business, Economics or any similar discipline.

• Experienced in marketing and credit processing.

• Strong command of Bahasa Malaysia and English, both oral and written.

• Good public speaking and presentation skills.

• Overall Bank’s Credit, Operations and Product knowledge.

• Keep abreast with SME issues, policies and trends in the country.

• Basic business acumen and industry knowledge.