Lending Relationship Manager (Boost Digital Bank)

We are seeking a highly driven and experienced Senior Client Relationship to source, structure, and acquire larger SME loan opportunities. The ideal candidate will have strong origination skills, a solid understanding of SME financing needs, and the ability to perform thorough initial credit assessments, including preparation of high-quality credit papers for internal approval.

Job Responsibilities:

Business Development & Origination

1. Source, identify, and acquire new SME clients with a focus on larger loan exposures (e.g., RM5 million and above).
2. Build and maintain strong client relationships through active networking, referrals, and market intelligence.
3. Proactively develop financing solutions tailored to SME clients business needs, covering working capital, trade financing, term loans, and contract financing.

Credit & Risk Assessment

1. Conduct initial credit assessment of prospective SME borrowers, including analysis of financial statements, cash flows, industry trends, and repayment capacity.
2. Evaluate collateral adequacy and assess risk mitigants in line with bank's credit policies.
3. Prepare comprehensive credit proposals/credit papers that articulate client background, financial analysis, risk factors, and recommended structure.
4. Liaise with internal credit/risk teams to ensure timely and efficient approval processes.

Deal Structuring & Execution

1. Structure financing solutions that balance client requirements with the bank's risk appetite.
2. Negotiate key terms of financing (tenure, pricing, collateral) within approved parameters.
3. Manage the end-to-end deal process from origination to disbursement.

Portfolio & Relationship Management

1. Monitor ongoing performance of assigned portfolio, including repayment conduct, covenant compliance, and early warning signals.
2. Act as the primary relationship manager for clients, providing continuous advisory support.
3. Ensure adherence to compliance, regulatory, and internal governance standards.

Requirements:

1. Bachelor's degree in Finance, Accounting, Business, or related discipline;
2. Minimum 58 years of SME lending or corporate banking experience, with a proven track record in sourcing and closing larger SME loans.
3. Strong credit skills: ability to interpret financial statements, assess cash flows, evaluate collateral, and write well-structured credit papers.
4. In-depth knowledge of SME financing products, including term loans, revolving credit, trade finance, and contract/project financing.
5. Strong client acquisition and relationship management skills with an established SME network.
6. Excellent communication, negotiation, and presentation skills.
7. Highly self-motivated with strong business acumen and results orientation.