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Functional
To establish closer rapport with existing business banking clients with the goal of increasing utilization of banking facilities and improving profitability
To plan and strategize on marketing activities to enhance existing portfolios at business centre
To actively monitor Pre-NPL / Watch list / High-Risk accounts with the aim of regularizing the account conduct through restructuring / rescheduling of banking facilities or exiting the relationship to prevent / minimize potential loses
To check through the credit applications proposals and credit requests prepared by ARMs/AROs prior to submission to Regional Manager and CED
To ensure ARMs/AROs are prompt in submitting credit applications reviews to minimize delinquency of accounts
To ensure timely submission of various periodic reports to Regional Office / Head Office (Monthly : business centre's performance, marketing calls / new prospects, overdue CA, high risk accounts, star clients utilization, Service Quality Index (SQI), Key Result Area (KRA) Performance Quarterly : Watch List Report).
Managerial
To lead, supervise and monitor a team of ARMs/AROs in actively marketing for new business clients through referrals (from customers / panel solicitors / branches) and selective cold calls to achieve loans growth as per KRA requirement
To provide training / guidance to new and inexperienced staff and ensure staff from respective departments are adequately trained in their area of work
Relieving Manager, Trade Finance Centre during his/her absence or as and when required in authorizing trade transactions RM300k
Relieving Manager, Credit Administration during her absence or as and when required in authorizing OD / TL / Trade limits in the loan system for business centre accounts and to execute relevant charge / security documents (Power of Attorney holder for conventional loans under HLB and Islamic Banking Loans under HLISB).
