About this role
<p><span><strong>Duties & Responsibilities</strong></span></p> <p> </p> <ul style="list-style-type:disc"> <li>Market and originate SME Banking financing products, deposit products, and Takaful for new and existing customers.</li> <li>Prepare credit proposals and obtain approval from the respective Financing Committees.</li> <li>Prepare a Letter of Offer and liaise with the Credit Administration for the completion of security documentation.</li> <li>Proactively monitor credit quality through early problem financing recognition and implement appropriate strategies.</li> <li>Work closely with other Business Development Units (internal & external) in promoting Bank Islam products and services.</li> <li>Manage the disbursement and/or activation process and liaise with the Sales Support Team and Credit Admin Department.</li> <li>Conduct a review of the customers’ facility and recommend the course of action to be taken.</li> <li>Analyse changes in the business activities or variations in the customers’ risk profile and decide whether to maintain the relationship or embark on an exit strategy.</li> <li>Maintain and manage customer relationships, cross-sell the bank’s products and services, and monitor the growth and quality of the business portfolio in order to meet the target.</li> <li>Ensure adherence to and compliance with all internal policies, guidelines, and external regulatory requirements</li> </ul> <p> </p> <p><span><strong>Job Requirements:</strong></span></p> <p> </p> <ul style="list-style-type:disc"> <li>Bachelor's degree in Business Administration, Finance, or a related field.</li> <li>Minimum of 3-5 years of experience in SME banking, credit analysis, or a related field.</li> <li>Strong understanding of SME financing products, credit risk management, and business development.</li> <li>Excellent communication and negotiation skills to interact with both internal and external stakeholders.</li> <li>Ability to analyze and interpret financial data and credit reports.</li> <li>Proven ability to manage customer relationships and cross-sell bank products effectively.</li> <li>Ability to identify potential credit risks early and implement suitable action plans.</li> <li>Strong problem-solving skills to manage complex customer situations and recommend solutions.</li> <li>Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint) and other relevant financial software.</li> <li>Familiarity with the regulatory requirements and internal policies in the banking sector.</li> <li>Knowledge of internal policies, guidelines, and external regulatory requirements related to banking and finance.</li> <li>Strong organizational and time management skills with the ability to handle multiple tasks and meet deadlines.</li> <li>Ability to work independently and as part of a team.</li> <li>Strong work ethic, with a focus on results and a commitment to high standards of service.</li> </ul>