MIDF Hiring! Full Time Relationship Manager in Selangor - Ricebowl

Business Development & Client Acquisition

• Identify, develop, and acquire new SME, commercial, and corporate clients for MIDF and MBSB Bank financing products and services.
• Build and maintain a strong pipeline of prospective clients through networking, referrals, industry engagement, and market intelligence.
• Promote the Bank's financing solutions, deposit products, treasury products, trade facilities, and other value-added banking services.
• Achieve individual and departmental business targets, including financing growth, disbursement, deposits, and cross-selling initiatives.

Credit Evaluation & Financing Approval

• Conduct customer due diligence, financial analysis, industry assessment, and credit evaluation to determine financing suitability.
• Prepare comprehensive credit proposals and recommendation papers for approval in accordance with the Bank's credit policies and guidelines.
• Liaise with relevant internal stakeholders, including Credit, Risk Management, Legal, Compliance, and Operations, throughout the approval process.
• Present financing proposals before approving authorities for approval.

Documentation & Disbursement

• Ensure timely acceptance of financing facilities by customers and fulfilment of all pre disbursement conditions.
• Coordinate with solicitors, valuers, and internal departments to facilitate completion of legal and security documentation.
• Verify completeness and accuracy of financing and security documents prior to disbursement.
• Ensure timely disbursement of approved facilities in compliance with internal policies and regulatory requirements.

Portfolio Management & Relationship Maintenance

• Manage and maintain an assigned portfolio of business banking customers to ensure strong customer relationships and retention.
• Conduct client visits and periodic reviews to understand customers' business performance, financing needs, and growth opportunities.
• Proactively identify opportunities for upselling and cross-selling additional banking products and services.
• Attend to customer enquiries, feedback, and service-related matters in a timely and professional manner.

Risk Management & Asset Quality

• Monitor portfolio performance and asset quality to ensure facilities remain within acceptable risk parameters.
• Track customers' repayment performance and proactively address early warning signals, covenant breaches, and financial deterioration.
• Conduct annual reviews, facility renewals, and credit assessments in accordance with established policies and procedures.
• Implement recovery, restructuring, or remedial actions where necessary to minimise credit losses.
• Ensure prompt escalation of adverse developments to management and relevant stakeholders.

Compliance & Governance

• Ensure compliance with the Bank's policies, SOPs, credit guidelines, regulatory requirements, and AML/CFT standards.
• Conduct periodic customer reviews and maintain completeness and accuracy of customer information and documentation.
• Adhere to internal controls, operational risk requirements, and audit recommendations.

Stakeholder Management

• Build effective working relationships with internal stakeholders, including Credit, Risk, Compliance, Legal, Operations, and Product Teams.
• Engage external parties such as customers, solicitors, valuers, accountants, and regulatory agencies when required.
• Support departmental initiatives, projects, and business campaigns to enhance overall business performance