SME Relationship Manager

Duties & Responsibilities

• Market and originate SME Banking financing products, deposit products, and Takaful for new and existing customers.
• Prepare credit proposals and obtain approval from the respective Financing Committees.
• Prepare a Letter of Offer and liaise with the Credit Administration for the completion of security documentation.
• Proactively monitor credit quality through early problem financing recognition and implement appropriate strategies.
• Work closely with other Business Development Units (internal & external) in promoting Bank Islam products and services.
• Manage the disbursement and/or activation process and liaise with the Sales Support Team and Credit Admin Department.
• Conduct a review of the customers’ facility and recommend the course of action to be taken.
• Analyse changes in the business activities or variations in the customers’ risk profile and decide whether to maintain the relationship or embark on an exit strategy.
• Maintain and manage customer relationships, cross-sell the bank’s products and services, and monitor the growth and quality of the business portfolio in order to meet the target.
• Ensure adherence to and compliance with all internal policies, guidelines, and external regulatory requirements

Job Requirements:

• Bachelor's degree in Business Administration, Finance, or a related field.
• Minimum of 3-5 years of experience in SME banking, credit analysis, or a related field.
• Strong understanding of SME financing products, credit risk management, and business development.
• Excellent communication and negotiation skills to interact with both internal and external stakeholders.
• Ability to analyze and interpret financial data and credit reports.
• Proven ability to manage customer relationships and cross-sell bank products effectively.
• Ability to identify potential credit risks early and implement suitable action plans.
• Strong problem-solving skills to manage complex customer situations and recommend solutions.
• Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint) and other relevant financial software.
• Familiarity with the regulatory requirements and internal policies in the banking sector.
• Knowledge of internal policies, guidelines, and external regulatory requirements related to banking and finance.
• Strong organizational and time management skills with the ability to handle multiple tasks and meet deadlines.
• Ability to work independently and as part of a team.
• Strong work ethic, with a focus on results and a commitment to high standards of service.