The Assistant Relationship Manager is responsible for achieving the loan sales target as well as other KPIs required by their line manager and the Bank. Promote the bank's products and services to the targeted customers. Obtain consent for data sharing and credit bureau checks. Process loan applications by communicating with customers and collecting required information and documents. Analyze customer qualifications, including repayment capacity, collateral, and purpose of loan use. Then, prepare a credit proposal to be submitted to the Credit Assessment Department for review and approval. If the customer is disqualified, the Assistant Relationship Manager will reject the loan application. If the loan application is approved, the Assistant Relationship Manager will communicate the pre and post-disbursement conditions and facilitate the loan disbursement process. Conduct a loan review promptly as required by credit policy and procedures. Follow up with customers who have not made their payment on time and take necessary steps or actions to minimize credit risk. Produce reports to analyze the sales pipeline and loan performance. As a customer service representative, it is essential to handle customer complaints promptly and take appropriate actions to resolve them. It is crucial to listen carefully to the customer's concern, empathize with their situation, and provide a fair solution that meets their needs. Performs any related tasks assigned by the relationship manager and the bank.
Performance Management (PM) is responsible for generating accurate business performance insights, supporting KPI management, and driving a performance-based culture across branches and business teams. The role involves data analysis, reporting, visualization, and providing strategic recommendations to enhance business productivity and employee performance. • Generate comprehensive business performance reports and dashboards on branches, teams, and individual staff performance. • Analyze key performance trends, identify gaps, and provide data-driven recommendations to improve productivity and sales outcomes. • Monitor Sales Pipeline and loan projection to push healthy loan growth. • Produce monthly, quarterly, and annual performance summary reports for management review. • Develop automated reporting tools, data visualization dashboards, and analytic models to support faster and more accurate decision-making. • Track business teams’ performance throughout the year and coordinate year-end performance appraisal activities. • Support weekly branch meetings with updated performance data, insights, and recommendations. • Perform others relevant task required by line managers.
Strong focus on business development, relationship building and networking; Market products and solutions to increase lending, deposit and cross-sell opportunity Promote banking products and services to existing and prospective customers Assists customers for loan application and screens loan applications; Ensure quality of loan portfolio through sound credit assessment and monitoring; Collecting, investigating, and analyzing for loan appraisal; Conducts client sit visit of home, business places, and collateral; Study credit status and competition in its operating areas; Deal and coordinate customer complaints or claims as well as loans problem; Processing registration of title deed at local authorities and land office; Loan monitor and follows up of the timely repayment; Build good relationships with customers and local authorities; Ensure full compliance with all in-place bank policies & procedures; Achievement of his/her performance targets; Identify and understand customers’ needs and recommend appropriate financial products/services; Ensure that the highest quality of service is offered in the VIP premises at all times; Execute other related duties as assigned by line supervisors or requested.
- Analyze business and technical requirements. - Build/Maintain MIS application, internal and regulatory report. - Manage issues/ Changes, and coordinate with vendors for resolution. - Involve as a project team member and support the implementation of Information Systems and digital technology-related projects. - Develop/ Improve standard operating procedures. - Ensure compliance with policy, internal/external audit, and regulatory requirements.
To assist the line manager to standardize process in Credit Operation unit. To assist the credit procedure and credit policy related Credit Operation unit. To assist the Trade Operation marketing Team if there is a requirement. To Implement and handle the Trade Finance System to ensure the system is smooth and full functionality. To solve any matter related to internal or external stakeholders related to Trade Operation process. Dealing with customers on loan processing and Trade Finance products to ensure they meet the requirements. Provide coaching and mentoring related Trade Operation and Credit Management if there is a requirement from management. Provide the support related core banking setting up if there is requirement from management. Perform the assigned tasks with high integrity and professional conduct. Perform other related duties assigned by the Management.
Conduct assessment on quality of loan applications submitted by BUs then highlight all risk concerns and provide sound recommendations to approving authority for decision making. Check and validate provided documentation and information including but not limited to the purpose of fund utilization, business registration and ownership, financial documents, collaterals, etc. to ensure all credit proposals are in compliance with all requirements in relevant policy/regulation. Communicate the approval decision to respective Relationship staff. Manage turnaround time of evaluation of each case at the target SLA Work closely with Relationship staff on rectifying information after validation and advise on possible solutions. Review change request submitted by BUs to discuss with the line manager and circulate for approval. Review disbursement request on fulfillment of pre-disbursement condition and circulating for approval. Assess Credit Review submitted by BUs on relevant criteria to discuss with Line Manager and circulate for approval. Regular report on cases reviewed and in process. Continuously develop self-competency through on-the-job training and attend courses nominated by the line manager. Perform the assigned tasks with high integrity and professional conduct. Perform other related duties assigned by the Management.
Implement daily task in compliance with the established policies and guidelines Conduct training / Refreshing session to Collection team and BUs on loan collection Policy and Procedures Monitor overdue portfolio and problematic accounts very closely and act on timely manner when a trigger alerts by reporting it to the Manager or Department Head or Chief Credit Officer and/or provide a sound recommendation on immediate action (if any) Monitoring the collection efficiency by following-up with business units (BUs) on action taken on regular basis Consolidate overdue report from BUs for Credit Committee on weekly basis. Propose recovery strategies, legal proceedings, restructure, and write-off for approval. Ensure the payment of overdue clients under the Monitoring & Recovery Team and BUs are followed up, monitored, and appropriately reported. Assist BUs to solve pre-NPL accounts by providing sound advice and/or joining the discussion with overdue clients for solution when needed. Manage collateral sale process in case borrowers are willing to sell their property Work in collaboration with Legal Team and Panel Lawyer, Court, and relevant stakeholders on cases proceeding to the court. Follow up with Legal Team on litigation cases. To perform other tasks assigned by Head Department
To set up the standardized process in Credit Operation unit. To set up the credit procedure and credit policy related Credit Operation unit. To assist the Trade Operation marketing Team if there is a requirement. To Implement and handle the Trade Finance System to ensure the system is smooth and full functionality. To solve any matter related to internal or external stakeholders related to Trade Operation process. Dealing with customers on loan processing and Trade Finance products to ensure they meet the requirements. Provide coaching and mentoring related Trade Operation and Credit Management if there is a requirement from management. Provide the support related core banking setting up if there is requirement from management. Perform the assigned tasks with high integrity and professional conduct. Perform other related duties assigned by the Management.
To provide overall independent, effective & efficient internal audit functions, carry out the audit assignment & complete audit field work. Assist Team Leader to conduct audit fieldwork for completing audit assignments as per Annual Internal Audit Plan approved. Perform specific audit procedures, test, analyze, and complete the audit working papers with appropriate documentation and relevant documentary evidence bases on audit assignment. Raise the issued, identify underlying root causes, and recommend the key controls for corrective action, detection, and prevention in each audit assignment for the Team Leader to review. Ensure completeness and adequacy of documentation in working paper, findings & report, including conformance to internal audit standards/ methodology/ guideline/ instruction. Perform any other duties assigned by the superiors from time to time. Other tasks will be assigned by line manager.