LIAO RUYING

• Manage a portfolio of small and medium-sized enterprises(SME) clients, serving as the single point of contact and trusted financial advisor, resulting in improved client retention and wallet share.
• Cultivate strong client relationships to enhance customer satisfaction and loyalty.
• Deliver end-to-end account servicing, resolving trade finance and account issues promptly to maintain high client satisfaction.
• Drive business development and cross-selling.
• Generate incremental revenue through own portfolio and acquiring new to bank clients for:

-Term loan and working capital loan

-Trade financing

-Business venture loan

-Commercial property loan

-Machinery and equipment financing

-Cash funding

-Fixed deposit
-Keyman insurance & term insurance

-Business credit card

• Provided strategic financial planning and advisory, aligning funding structures with clients’ cash flow, growth plans and risk profiles.
• Collaboration with external stakeholders (agents, valuers and lawyers).
• Drive sustainable finance initiatives, actively promoting and implementing green loans and sustainability-linked financing to support SMEs adopting environmentally sustainable practices.

Key Achievements

• Ranked top performer in Bancassurance Issuance, including sustainability-linked loans onboarding.
• First and only RM within team to identify, structure and implement the business venture loan. This is in line with bank's strategic direction to deepen SME engagement and diversify financial solutions.
• Strengthened client retention through relationship-driven account management and value-added advisory.

• Provide prudent financial and investment solutions to tailor to the needs of small and medium-sized enterprises (SME).
• Sales and marketing wide spectrum of banking products which include commercial property loans, trade facilities, working capital finance, term loans and asset-based financing to meet financial and investment needs of customers.
• Active cross-sell of bank's existing and new products to build long-term banking relationships with both existing and prospective clients.
• Acquire new borrowing account through cold-calling, collaborations within business units and networking with external stakeholders to support potential sales referrals.
• Deliver high standard of customer service satisfaction and service quality.
• Ensure proper advisory procedures and documentation while adhering to Bank’s internal policies, business processes, and regulatory requirements.

Key Achievements

• Repeated top producer within district (Product Categories).
• Qualifier for product challenge incentive trips (Bancassurance Campaign).

• Exceed aggressive sales targets in SME segment through focus on winning new business to AMEX franchise.
• Build and leverage relationships with corporate clients and key business partners to generate leads and referrals.
• Expansion growth within existing portfolio of accounts to ensure potential charge volume of account is optimized.
• Cross selling of additional products such as merchant services, consumer cards and FX international payments to drive business revenues and enhance clients’ experiences.
• Fully engaging in Performance Management and Development Planning Process.
• Aligning with company and department rules, control and compliance polices.

Key Achievements

• Most Inspiring Rookie Award (Rewards and Recognition Program).
• Top 3 in new accounts acquired and charge volume.

• Drive on-boarding of new customers and initiates spend enablement activities.
• Engage in regular portfolio planning to determine areas of focus & project accurate full year forecasts.
• Attend relevant industry and partner conferences and networking events.
• Working closely with team members in organizing and executing employee engagement events for small and medium-sized enterprises (SME) and Multinational Corporation (MNC) companies to grow sales pipeline.
• Maintain good relationships with existing clients for potential prospect referrals and billed business acquired (BBA).
• Ensuring all performance standards, business targets, controls and compliance are met.

Key Achievements

• Consistent winner for Achievers Award (Rewards & Recognition Program).
• Winner of Solitaire Club (Highest rank in Achievers Award).

• Assist customers inquiries related to banking products & services (Credit Cards, Personal Loans and Balance Transfer).
• Conduct telesales activities and respond to customers inquiries timely.
• Achieve high standard of customer satisfaction and service quality.
• To follow up sales leads actively.