Relationship Manager - Commercial Banking Centre null

About CIMB Malaysia

Incorporated in Malaysia in 1974 and headquartered in Kuala Lumpur, CIMB Group’s operations encompass a well-established consumer bank, a premier regional investment bank, and an Islamic bank, served by some 16,699 employees as of June 2019.

CIMB Bank is the Group’s commercial bank with 234 branches across Malaysia. CIMB Bank is the country’s second-largest commercial bank by assets with over 8 million customers nationwide and offers the full spectrum of banking services from consumer products to business banking services for SMEs, as well as insurance, investment, and wealth management products, and services. Services include:  

• Banking products and services
• Treasury products and services
• Investment banking
• Equities brokerage
• Research Coverage
• Asset management

Your role

Job description

• Conduct customer profitability analysis and account strategy formulation with the help of product specialists, as required, for both existing and potential clients. Execute the account strategy plan including cross-selling activities or phase-out activities.
• Be the first-line primary contact person for the customer on all queries relating to credit, deposits, and other products and services including operational issues.
• To develop and maintain professional customer relationships with key decision makers (viz. CEO, CFO, Head of Treasury, Head of HR, etc).
• To develop new business relationships by identifying suitable prospects and using various means of communication and visits to seek out suitable business opportunities. Understand the Know-Your-Customer processes involved and carry out proper due diligence when onboarding a new customer.
• To perform financial & risk analysis, evaluation, and decision-making and to submit well-written credit presentations/memos/proposals for approval by the relevant Approving Authority based on the rules, regulations, policies, procedures, and guidelines of the Bank and those of relevant regulatory authorities, as applicable.
• Coordinate with other product lines, departments, and units for the overall development of the portfolio including tapping on cross-selling opportunities as well as ensuring prompt and proper delivery of relevant services.
• To conduct a periodic health check on the portfolio of customers including but not limited to an annual review of the credit-worthiness of existing borrowing/financing accounts, to ensure and to confirm that all legal /security documentation is intact and legally enforceable, insurance policies are current and renewed on expiry, in addition, to ensure that data is correctly and accurately updated in the system after disbursement or any changes requested.
• To proactively monitor the asset quality of customers in the portfolio by detecting early warning signs and to promptly undertake or initiate debt/ financing restructuring, rescheduling, or legal recovery action, as applicable.
• To undertake any other related tasks as determined by the management of the Bank from time to time.
• To take accountability in ensuring credit files are properly maintained.

Training, development & rotations

Ensuring that you are future-ready and equipped to take on responsibilities and work challenges is its commitment. The CIMB 3D Academy – Digital, Data & Disruption - equips #teamCIMB with digital-skewed skillsets that will turn you into corporate warriors who are agile, innovative, and tech-savvy.

It is the Group’s transformation vehicle to enhance the digital quotient across all job roles, to help future-proof its people. This curriculum is also embedded in The Complete Banker program. 6 pillars form the framework:

• Digital World Awareness
• Agile & Entrepreneurial Thinking
• Future Communication Skills
• Risk & Governance
• Human-centric Design
• Data Science & Analytics

These will be imparted via classroom training and soon, an interactive digital learning platform.

Salary & benefits  

You’ll enjoy a range of benefits that were created to consider different work and lifestyle needs. CIMB Workplace Wellness :

• Flexible Work Arrangement
• Women Empowerment
• Health Programmes
• Financial Wellbeing

Career progression

CIMB believes in:

Enabling you to develop your talent and reach your potential
Passion to pursue excellence in all that it does
Integrity and Accountability
Collaboration for the collective success
Customer Centricity

It wants to be the best place for the best talent. By empowering and encouraging each other, it believes that it is on the right path towards creating a positive and thriving work environment.

Culture & Vibe

The company puts its ‘customers at the heart of everything it does. This can imply a fast-paced work environment to meet clients' demands, which may not be a good fit for individuals who dislike a customer-centric approach. CIMB Bank still challenges its employees to learn more and prepare for the Fourth Industrial Revolution through different training programs.

While the bank prioritizes customers, the welfare of employees isn’t neglected based on plenty of learning opportunities from the CIMB 3D Academy, sponsorships, and scholarships for MBA or postgraduate degrees.

About you

Qualifications

• Strong analytical skills, including the ability to analyze and understand financial statements
• Strong negotiation and communication skills in English (both verbal and written)
• Motivated, self-driven individual with a strong commitment to integrity, professionalism, and teamwork
• A good understanding of the domestic and regional business environment will be an advantage
• Able to work independently, be disciplined when carrying out work functions, and maintain professional work ethics.

How to apply

To apply for the job just click the “Apply on employer site” button below. The recruitment process is challenging but fun and the bonus is that you make friends along the way!

Recruitment Process

• Send in your application and answer a few simple questions
• Shortlisted applicants will receive an email to partake in the fun online games that will assess their cognitive ability and thinking skills
• Shortlisted applicants will undertake a digital interview session
• Shortlisted applicants will be invited to its assessment center – for individual face-to-face interviews followed by a group case study and presentation
• Shortlisted applicants will undergo a final interview.