Citi Citibank Berhad Citi Commercial Bank MME RM in Malaysia

  • Primary Location: Malaysia,Wilayah Persekutuan,Kuala Lumpur

  • Education: Bachelor's Degree

  • Job Function: Relationship Management

  • Schedule: Full-time

  • Shift: Day Job

  • Employee Status: Regular

  • Travel Time: Yes, 25 % of the Time

  • Job ID: 17034134

Description

Description

  • An MME-RM manages a portfolio of medium-sizedenterprises ("MME") to reach sales, assets and liabilitiestargets set by the bank and also drives new client acquisitions

  • Identify and Pitch Targets:

  • Own the whole processof new client acquisition from identifying prospects, deliveringcustomized financial service solutions to completing facility availment /system implementation

  • Cross-selling and Client Engagement

  • Developing and managingclient relationships through regular client engagement to ensure revenuemaximization and increasing Citi’s wallet share in overall bankingarrangement

  • CA/Joint Risk Responsibilities with CLU

  • RM should work closelywith CLU in preparing CAs and monitoring risk issues with customers

  • Risk Management

  • Close monitoring ofclient’s business trends and exposure performed by the RM individually

  • Compliance/Legal related work

  • Ensure internal andregulatory compliance, flag off any AML/franchise related issues and keepabreast of all policies and processes

Identify and Pitch Targets:

Responsibilities in relation to identifying andacquiring new clients in Citi target markets include:

  • Identifying prospects via various channels which meetCiti’s criteria (i.e. Target Market, financials, pre-screening criteriaetc.)

  • Understanding client's business and bankingrequirements from client site visit and prepare call memo to documentpotential leads

  • Conducting sales pitch to offer suitable solutions andservices from Citi’s product range (Cash, Trade, FX, Loans etc.)

  • Discussing with clients and internal stakeholders onsolutions, credit facility, pricing, terms and conditions etc.

  • Requesting financial statements/relevant documents fromprospect for 1st round review

  • Following up with client on any document deficiency orrequests for more information

  • Following up with client on offer acceptance andconfirm the facility is successfully availed or cash system is implemented

Cross-selling and Client Engagement:

Responsibilities in relation to cross-sellingproducts and growing SOW/cross-border revenue include:

  • Building deeper engagement for existing relationships,creating a revenue generating portfolio with consistent return on riskcapital and minimal credit losses

  • Resolving service/operational issues which areescalated by the RA

  • Building deeper engagement for existing relationshipsthrough regular site visits, quarterly call memos and corporate events

  • Preparing relationship/account/RORC plans for clients

  • Understanding client's business strategy and bankingrequirements to fulfill their needs and increase Citi share of wallet bymaximizing cross sell opportunities leveraging the bank’s products andservices

  • Supporting client’s overseas banking needs by workingwith RMs overseas or using the AEP program to grow cross-border revenue

  • Coordinating with Product team (TTS, Treasury, CMO) toprepare pitch material and present solution to client

  • Ensuring the new facility, product or system is availedand implemented

CA preparation/Joint Risk Responsibilities with CLU:

Responsibilities in relation to completing CAs andrisk monitoring shared with CLU include:

  • Completing relevant RM sections of the CA for new creditlines extended to new customers, upgrades of credit lines for existingcustomers and renewals for unchanged credit for submission to CLU. Thisincludes relevant documentation such as SandA, RORC, ISDA, Regulatory andCompliance Checklist, Sanction Assessment etc.

  • Performing background check on customer with relevantcredit agencies, buyers, suppliers and banks with assistance of CLU

  • Liaising with CLU and Risk on issues/concerns raisedover the CA

  • Conducting joint EW/client calls and monitor triggers andtripwires at a CA level along with CLU and EW Risk team

  • Providing quarterly inputs to CLU for CCR write-up bycontacting clients to obtain key financial and other updates for specialmention clients

  • Preparing and present materials for portfolio reviews (e.g.large exposure reviews) and Red zone reviews at account level withassistance from CLU. CLU will assist by providing obligor level OSUC, ORRand other such data while the RM will need to write the proposed reasonsand remedial action plans for Red Zones, or in the case of large exposurereviews write the credit outlook summary and provide inputs on financialforecasts/projections, and any other key developments since last CA

  • Credit files will be maintained by CLU with primaryownership remaining with the RM

  • Variations, if any to any of the above mentioned jointresponsibilities will be jointly approved by the country CCB and CLUHeads

Risk Management:

Responsibilities in relation to monitoring existingclient portfolio from a risk perspective include:

  • Being the first line of Defense/Interface for anyadverse news (eg on credit, reputation) Perform site visit and presentfindings to risk and business seniors via quarterly/semi-annual call memos

  • Working with the remedial unit for stressed accountThis would include working on an action plan and keeping a close eye oncriticized portfolio to detect red flags and potential double jumps

  • Preparing Greenlight Memo for enhancement based on anyemerging opportunity to discuss with Business, Risk and CLU

Compliance:

Responsibilities in relation to ensuring compliancewith regulations, policies and AML include:

  • Managing and resolve compliance / AML exceptions and issues

  • Creating / renewing eCADD in a timely manner withassistance from RA by arranging information from client and liaise withBSU/CADD team in resolving exception

  • Resolving of non-regular transactions if escalated byRA

Qualifications

  • Minimum 5 years relevant working experience in acorporate or commercial bank portfolio.

  • Strong team player with business development skills.

  • Good verbal and written communication skills

  • Degree in Banking, Economics, Business Administration,Accounting/Finance related discipline preferred.

  • Possess strong financial analytical and creditevaluation skills.

  • Knowledge of KYC procedures and requirements.