JOB PURPOSE:Develop marketing strategies to solicit new business through farming and diversification through new-to-bank relationships, cross-sell Affin Banking Group's products suites and capabilities to corporate customers, while maintaining cost-to-income discipline; to meet targets and requirements outlined by the management.To protect the bank's interest at all time, through practice of sound credit management.ACCOUNTABILITIESManage, monitor and grow business portfolio:Responsible for managing a portfolio of existing customers with optimization of revenue through sound credit evaluation, wallet sizing and account planning.Enhance existing accounts/business portfolio and source/solicit new accounts/ business under targeted business segments and provide value-added banking solutions.Grow P&L by maximizing earning potential, review and monitor revenue performance through effective client planning.Work closely with product partners and other business units to induce cross-selling of products.Reinforce a continuous improvement mind-set by initiating innovative and achievable solutions that could become a benchmark for the industry.Monitor the daily operations and management functions of correspondent banking.Monitor and promote higher utilization and good conduct of accounts.Review and mitigate risk and group exposure.Manage customer account relationship:To understand customers' business and related industries.To be extra sensitive to customers' needs so that effective activities can be planned and organized for them.To constantly improved business skills and develop relationship.To monitor and review the account relationship and performance vis-à-vis account profitability.Compliance on the operating procedures and guidelines of the Unit:To comply with internal work process, internal guidelines and BNM guidelines; and provide feedback to ensure better efficiency.To provide inputs on projects embarked by the Bank which may impact the customers to ensure business continuity.Anti-money laundering compliance:To manage the application of internal programs and procedures including proper maintenance of records and to report suspicious transactions.Staff development:Build a high-performance culture by promoting individual and collective ownerships and accountability of outcomes. This includes to inculcate high discipline work ethic.To constantly improve business skills and participate in any recommended training program.To maintain high level of integrity and disciplines.KEY DECISIONRecommending and tabling new credit facilities and annual reviews to the Committee.Accountable for the profitable maintenance and expansion of each relationship.Keep abreast of current competition and market trends.Package term sheets for customers and which meet their requirements.Build rapport and establish good working relationship with internal stakeholders.SKILLS, KNOWLEDGE & PERSONAL CHARACTERISTICS & BEHAVIOURFresh graduates and experienced candidates in Personal Financing products are encouraged to apply.Able to work independently with high degree of commitment and integrity.Ability to monitor and delegate targets to staff in order to achieve financial targets and compliance.Be proactive and comprehensive in delivering content to senior internal stakeholders and client.Familiarity of banking procedure, policies & guidelines both internally & externally with a thorough understanding of the client's industry, business cycles and other relevant factors.Possess strong communication and excellent interpersonal skills and result oriented.Strong analytical skills and able to demonstrate good potential.Assertive personality, initiative and innovative.Maturity in decisions and problem solving.String ability to think strategically.INTERVIEW DETAILS:INTERVIEW VENUE : PERSONAL FINANCING MIRI1st Floor, Lot 2387 & 2388, Block A4,Boulevard Commercial Centre,Off Jalan Miri-Pujut,98000 Miri, SarawakPLACE OF WORK : Personal Financing Hub @ MiriDATE : 11/06/2024 | TIME : 9 AM TO 4 PM
