AVP/VP, Assistant Relationship Manager, Corporate Banking

Headquartered in Tokyo, Sumitomo Mitsui Banking Corporation (SMBC) is a leading global financial institution and a core member of Sumitomo Mitsui Financial Group (SMBC Group). Built upon our rich Japanese heritage since 1876, we put our customers first and provide seamless access to, from and within the Asia Pacific region. SMBC is one of the largest Japanese banks by assets and maintain strong credit ratings across our global integrated network. We work closely as one SMBC Group to offer personal, corporate and investment banking services to meet the needs of our customers.

With sustainability embedded within our strategy and operations, we are committed to creating a society in which today’s generation can enjoy economic prosperity and well-being, and pass it on to future generations.

SUMITOMO MITSUI BANKING CORPORATION MALAYSIA BERHAD

JOB SUMMARY          

• Assist Relationship Manager in managing client relationships and handle all credit related matters including preparation of credit proposition, credit monitoring and reviews, stress testing as well as ad-hoc requests or reviews, self-assessments, audit and compliance matters (e.g. IAD, CRR, External etc). Prioritizing deal execution and taking charge of timely reviews. 
• The role may include leading and guiding a team of assistant relationship managers (matrix reporting).
• Adherence to credit controls of SMBC Malaysia and SMBC Labuan and maintain constant communication with Credit Control Department, Credit Risk Department and Regional Credit Departments on credit related matters.
• Closely collaborate with Relationship Managers (“RM”), Assistant Relationship Managers (“ARM”) and Client Managers (“CM”) to ensure key responsibilities are executed seamlessly.

KEY RESPONSIBILITIES

• Prepare credit applications, ensure proper, accurate and timely submission of relevant applications in Global Business Reengineering system (“GBR”) including credit proposition, credit monitoring and reviews, stress testing as well as ad-hoc monitoring, requests or reviews and self-assessments, while prioritizing deal execution and taking charge of timely reviews to ensure no overdue.
• Coordinate and attend to audit and compliance matters e.g. IAD, CRR, External and Regulatory etc.
• Early identification and detection of credit and/or industry issues and work closely with Relationship Manager to constructively address credit concerns.
• Support Local Relationship Manager (“LRM”)/ Global Relationship Manager (“GRM”) to manage client relationships and facilitate deal execution (including documentation) within SMBC network for both inbound and outbound business.
• Maintain constant communication with credit department to obtain credit approval in timely manner.
• Actively participating in account planning process, opportunity spotting, preparation of sales pitch and deal execution together with the Relationship Manager.
• As part of credit monitoring, to prepare Control Card, Covenant Control Sheet and Covenant Memo (including periodic compliance purposes).
• Monitor the financial and business performance of customers and report to management/ raise the necessary reports on any adverse/ latest news within stipulated timeline.
• To keep abreast of customers’ financial condition and business/ industry outlook.
• Join RM for customer visit/ site visit on a periodic basis.
• Keep up-to-date and apply the latest internal and regulatory rules and procedures when preparing credit applications.
• Lead and guide fellow ARMs on policies and processes including resource management for the team.
• Cross coverage amongst ARMs during peak or critical period and during block leave.

JOB REQUIREMENTS

• Degree or professional qualification in business administration, accounting, finance, economics or other related discipline.
• At least 15 years of corporate banking related experience including credit writing, financial analysis, documentation and marketing related skillset.  Possession of leadership experience would be of added advantage.
• Analytical skills and able to work efficiently in team work environment.
• Good communication, writing and interpersonal skills.
• Team player, self-motivated, enthusiastic and able to work under pressure to meet deadlines.