Mohamad Afiq Bin Hj. Mohammad

Purpose of Job

• Acquiring new customers, enhancing the relationship with existing customers, ensuring growth of the portfolio, managing, maintaining good quality portfolio and providing the necessary intervention.
• Responsibilities:
• Marketing, solicit and credit evaluation for the network/business units.
• Propose suitable Bank’s products that fit customers’ business needs.
• Comply with internal and external standards, risk and compliance requirements in all financing application activities.
• Provide end-to-end customer relationship management which includes:
• Monitoring the completion of legal documentation, collection of Condition Precedent until disbursement of the financing.
• Plan, manage and monitor collection and post disbursement activities including conduct of Annual Review/Reschedule & Restructure.
• Manage request for changes to terms of financing (pre and post disbursement).
• Ensure full compliance to all set external and internal rules, policies, standard operating procedures and client charters.

Purpose of Job

• To support the respective Heads of Business Financing Centre in Commercial / SME Banking business development activities.
• Responsibilities:
• Established new business opportunities for Commercial/ SME Financing.
• Do credit assessment and KYC to the customer by checking on documentation and site visitation.
• Maintain and enhance standards of services with existing commercial banking clients.
• Manage a portfolio of commercial/SME account.
• Monitor and ensure that accounts are not delinquents and develop action plans to prevent non-performing financing.
• Formulate and implement competitive customer retention and utilization strategies.
• Ensure cross selling of bundled products together with each financing application.

Purpose of Job

• Manage and submission of financing/facility applications from new & existing customers under the SME category under the BNM definition.
• Responsibilities:
• Primary responsibility is to market and drive SME products such as financing, overdraft facilities, trade facility and deposit product to the customer in the Small Medium Enterprise Business category.
• Process of financing/ facilities application and submission for approval and closely follow up on the acceptance until disbursement of financing/facilities.
• Do credit assessments and KYC to the customer to make sure customer is genuine and to evaluate the ability of a customer to honor its financial obligations.
• Initiate regular & new customer site visit or follow-up for established strong relationship between bank and customers to ensure customer loyalty. Also provide them the financial advice for helping them expand their business and grow them from the SME size portfolio to the corporate size portfolio.
• Create an event/tea talk to make sure customers are aware of the latest financial assistance and campaign that the bank provides for them.

Purpose of Job

• Independently source new and existing SME customers, package the requirements for business financing applications.
• Responsibilities:
• Responsible for processing financing application and submission for approval, closely follow up on the acceptance until disbursement of the financing.
• Drive and generate fee-based income from cross selling activities on Insurance and Cards.
• Ensure cross selling of bundled products together with each of financing applications.
• Responsible and ensure processing of financing application is within stipulated Turnaround Time (TAT).
• Established and enhanced rapport with local community in the service area.
• Foster positive relationship with customers and initiate regular customer site visits or follow-up to establish better rapport.
• Manage and uphold service standards set by management and always uphold corporate responsibility.
• Conducting Know-Your-Customer (KYC), due diligence tasks, market & credit analysis and ensure asset quality.