Relationship Manager

Role overview

This position focuses on managing a portfolio of accounts to grow lending and deposit balances, strengthen profitability, and protect asset quality through deeper engagement with both existing and prospective customers.

Key responsibilities

• Strengthen customer relationships and bring in new business to meet targets for loans, RRWA, and CASA.
• Carry out timely reviews of lending facilities to support strong asset quality.
• Expand wallet share and promote other banking products through cross-selling.
• Drive growth from both existing customers and new business opportunities.
• Submit credit proposals and new loan cases to GCMS and the Credit Committee in Singapore and Malaysia for approval.
• Identify weak accounts and recommend suitable exit strategies when needed.
• Review current loans promptly and consistently.
• Build long-term customer retention plans and organic growth strategies by maintaining strong client relationships and encouraging referrals.
• Develop business plans that support growth in loans and deposits while improving profitability.
• Support a cross-selling culture and promote CASA growth.
• Monitor loan portfolio quality to reduce and prevent NPLs and improve RRWA.
• Apply internal risk-rating policies and use structured methods to support or exit weaker accounts as appropriate.

Skills

• Relationship management
• Sales and business development
• SME banking
• Credit evaluation
• Portfolio management
• Cross-selling
• Customer retention
• Risk assessment
• Analytical thinking
• Stakeholder communication

Requirements

• A tertiary qualification from a recognized university is required, preferably in Business, Accounting, or Finance.
• At least 2 years of experience in credit and marketing roles within SME or middle-market banking.
• A self-driven, target-focused mindset is essential.
• Strong analytical ability and sound public relations skills are needed.
• High integrity and professionalism are expected.

Additional information

Only candidates shortlisted for the next stage will be contacted.