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.