Assistant Relationship Manager, Mid-SME Banking at I&M Bank

Job Summary

• The Assistant Relationship Manager (ARM) works  with allocated  Relationship Managers (RMs) to originate, structure and service Mid-SME customers & portfolio. The ARM jointly with RM carries the credit preparation, documentation, portfolio monitoring and customer service load of the paired portfolio. The role is also a  primary development pipeline for future Relationship Managers.

Key Responsibilities:

Business Origination and Growth

• Support the paired RM in meeting targets for customer acquisition, deposits, asset growth, fee income and cross-sell.
• Prospect and qualify leads from branches, referrals, ecosystems and the Bank’s partnerships, and maintain an accurate pipeline.
• Prepare customer meeting packs, proposals and pricing for RM review.
• Identify cross-sell opportunities across trade finance, treasury, insurance, cash management and digital channels.

Credit Preparation and Portfolio Management

• Gather financial statements, KYC and security documents, and prepare credit applications and appraisal memos for RM review, to the Bank’s credit standards.
• Analyse customer financials, including cash flow, DSCR and gearing, and highlight key risks and mitigants.
• Track facility conditions, covenant compliance, renewals, reviews and security perfection on the paired portfolio.
• Monitor account conduct, arrears and early-warning triggers daily, and follow up with customers promptly.
• Support recovery and restructuring actions on stressed accounts with the RM and Credit.

Customer Service and Operations

• Serve as the day-to-day contact for customers on queries, disbursement, documentation and account maintenance.
• Coordinate with Credit, Operations, Legal and Trade teams to meet agreed SLAs.
• Resolve customer complaints and escalate unresolved issues to the RM and Cluster Manager.

Branch Collaboration

• Work with Branch Managers and Relationship Officers to convert branch referrals into Mid-SME business.
• Provide guidance to branch teams on Mid-SME product requirements and documentation.

Governance and Compliance

• Comply with credit policy, KYC/AML, operational risk and data protection requirements.
• Keep CRM, pipeline and portfolio records accurate and up to date.
• Submit timely activity and performance reports to the RM and Cluster Manager.
• Perform any other duties assigned by the Cluster Manager.

Requirements

Academic & Professional Qualifications 

• Bachelor’s degree in a business-related field.
• Progress towards a professional qualification (CPA, ACIB or similar) is an added advantage.

Work experience

• At least 3 years’ banking experience, including at least 2 years in credit, SME or commercial banking.
• Demonstrated ability in credit analysis and preparation of credit memos.

Key Competencies and Skills

• Strong financial analysis and credit judgement.
• Attention to detail, with accurate and timely documentation.
• Good communication and customer service skills.
• Planning and organising skills, with the ability to manage multiple deadlines.
• Teamwork, and willingness to learn from and support the paired RM.
• Initiative and ownership of assigned accounts.

Last date to apply  30 Oct 2026