Ravi Kumar

Job Scope

• Deal clearance, originating deals, structuring and overall growth of loan growth.
• Maximize earnings potential and revenue of relationships by increase wallet share through ancillary business (i.e. deposits, payroll, insurance, cash management etc)
• Annual / Interim Account Review and monitor account performance / compliance to Bank's covenants.
• Preparation of Letter of Offer and ensure completion of security documentations and drawdown.
• Reviewing / coaching credit proposal submitted by junior staffs (case to case basis assigned by Head)
• Presenting credit proposals to Credit Committee members
• Managed exposure size : RM1.67B ( 22 borrowing relationships)
• Key industries exposure: Aviation, Manufacturing, Healthcare, Education, Property & Construction, Oil & Gas, Food, clean energy
• Client segment - Mid corporate segment

Key achievements

• Performance rating 'exceed ' surpassed the requirement for 2 consecutive years
• Sole Relationship Manager in a team for almost 7 months in 2021; managed 60 accounts along with Head of Department.
• 6 and 8 new deals in 2022 and 2023 respectively, over RM500M new assets (include 3 larger deals involved construction of hospital, syndication deals)
• Contributed additional loan growth and fee income of RM150mil and RM6.04M for year 2023.
• Onboarded 700 new retails accounts in collaboration with product partners through 360-product progrrame (i.e. payroll account).
• Promoted as 'Senior Relationship Manager' in 2022 in recognition of demonstrated achievements above.

Job Scope

• Work closely with Senior Relationship Manager to solicit new business / origination as well as managing existing borrowings and non-borrowing client portfolio to maximize earnings.
• Prepare credit proposals for Annual Review / Interim Review and any other adhoc-requests proposal from client.
• Work closely with product partners (Trade & Receivables, Liquidity Management, Global Markets, Retail Banking) to deepen customer relationships and support/diversify revenue streams
• Ensure that credit delivery (attend approval conditions, security documentations and disbursement) is undertaken on timely manner to protect the Bank's interest
• Completion of portfolio Customer Due Diligence reviews
• Immediate escalation of UARs and/or financial crime concerns
• Timely completion of all Surveillance Triggers and Requests for Information.
• Managed facility exposure: MYR900mil
• Client segment: mid corporate, multinational corporations, state-owned entities
• Key Industries: Palm oil, healthcare services, information technology, renewable energy & property.

Key Achievements

• Onboarded new cross border deal worth UDS50M (palm oil plant upgrading financing)
• Performance rating meets the requirement standards
• Recognized / awarded as outstanding staff

• Processing of any credit applications of existing portfolio and new to bank deals assigned by team heads.
• Cross selling to deepen share wallet.
• Ultimate ownership of customer relationship and customer interface
• Monitor overdue accounts and undertake prompt measures to prevent deterioration to NPL
• Facilitate the drawdown of facilities / preparation of Letter of Offer / liaison with stakeholders.
• As a junior relationship manager, went through various internal credit programme and exposed to basic and intermediate credit courses

• Exposed to the daily operations being performed by many respective departments includes, loan/mortgage, sales, treasury, operations, risk management and etc
• Exposed to the day-to-day processing being handled by the branch management
• Exposed to training related to the required job skills
• Involve in the management of the events conducted by the organization.