Job Summary

RHB Bank Berhad is seeking a highly skilled and experienced Senior Account Relationship Manager (Commercial) to manage and grow our portfolio of commercial banking clients. In this role, you will act as a trusted financial advisor to mid-sized and large commercial enterprises, driving business growth through the acquisition of new customers and the cross-selling of RHB’s diverse financial solutions, including lending, trade finance, cash management, and treasury services.

Job Responsibilities

* Portfolio Management & Growth:** Manage, retain, and grow an assigned portfolio of commercial banking clients, ensuring high levels of customer satisfaction and retention.
* Business Development:** Actively identify and acquire new-to-bank commercial clients to expand RHB's market share and meet predefined revenue and volume targets.
* Credit Structuring & Analysis:** Evaluate clients' financial positions, perform comprehensive credit risk assessments, and structure customized credit facilities (including bridging finance, project financing, working capital, term loans, and trade finance) in accordance with the bank's risk appetite.
* Cross-Selling:** Collaborate with product specialists to cross-sell a wide range of banking products, including cash management, treasury, wealth management, and transactional services.
* Risk & Compliance Management:** Monitor account conduct and asset quality proactively to mitigate credit risks. Ensure all business activities comply with regulatory requirements, internal policies, and ethical standards.
* Relationship Building:** Establish strong, long-term relationships with key decision-makers, including business owners, CFOs, and directors, to understand their business strategies and financial needs.

Job Qualifications

* Education: A Bachelor’s Degree in Finance, Business Administration, Accounting, Economics, or a related discipline from a recognized institution.
* Experience: Minimum of 5 to 8 years of experience in commercial or corporate banking, with a proven track record in relationship management and credit underwriting.
* Professional Certifications: Holding professional qualifications such as Certified Credit Professional (CCP) or Chartered Banker (CB) is highly advantageous.
* Technical Skills: Strong analytical skills with deep knowledge of credit analysis, financial statement interpretation, cash flow analysis, and commercial banking products.
* Soft Skills: Exceptional communication, negotiation, interpersonal skills and effective team player.
* Market Knowledge: Understanding of the local economic landscape, industry trends, and regulatory/legal/land ordinance frameworks governing the Malaysian banking sector (especially Sabah).