Relationship Manager, SME Plus - Klang Valley 3 MY

• Conduct customer profitability analysis and formulate account strategies in collaboration with product specialists for both existing and prospective clients. Implement account plans, including cross-selling initiatives or exit strategies where appropriate. • Serve as the primary point of contact for customers on all inquiries related to credit, deposits, and other banking products and services, including operational matters. • Build and maintain strong professional relationships with key decision-makers such as CEOs, CFOs, Heads of Treasury, and Heads of HR. • Develop new business opportunities by identifying potential prospects, engaging through various communication channels and visits, and ensuring compliance with Know-Your-Customer (KYC) requirements and due diligence during onboarding. • Perform comprehensive financial and risk analysis to support sound decision-making. Prepare and submit well-structured credit proposals for approval in accordance with internal policies, regulatory guidelines, and applicable rules. • Collaborate with other product lines and departments to drive portfolio growth, leverage cross-selling opportunities, and ensure timely and accurate delivery of services. • Conduct periodic portfolio health checks , including annual credit reviews, verification of legal and security documentation, insurance renewals, and accurate system updates post-disbursement or upon changes. • Proactively monitor asset quality , identify early warning signals, and initiate appropriate actions such as restructuring, rescheduling, or legal recovery measures. • Undertake additional responsibilities as assigned by Bank management from time to time. • Ensure proper maintenance of credit files and uphold accountability for documentation integrity.