Description
Evaluation
- Independently appraise and evaluate credit applications from Business Banking and ensure that only quality assets are booked.
- Screen customer background, track records and behavior patterns to ensure credit quality stands up to approving authority’s expectations.
- Be conversant with key industry trends and highlight any adverse market information for management attention.
- Improve customer service satisfaction through joint customer visits with lending units for better evaluation of risk issue.
Approval within Discretionary Power
- Approve credit applications within his/her delegated discretionary powers (DP).
- The DP covers permanent and temporary facilities as well as ad-hoc and administrative requests from lending units including both local and overseas branches/centres.
Strategy and Planning
- Relief other SCMs/CMs in his/her absence and work jointly with SCMs/CMs to ensure service standards on Turnaround Time for credit application processing are consistently met.
- Provide input for review of existing workflows, procedures and processes with a view to improve service quality at reduced cost and increased revenue.
- Undertake special functions as assigned by management to improve credit quality or enhance credit culture within the Banking group.
Compliance
- Ensure compliance with Internal Credit Policy and Procedures, Statutory Guidelines (BNM/GP Guidelines, Exchange Control Regulations, Basel II requirements) and Legal Principles of Lending.
Training
- Conduct visits to Commercial Banking Business Centers to bridge the expectation gap between the relationship managers and approving authorities.
Requirements
Requirements: - Bachelor Degree in any field.
- Preferably Credit Skills Assessment (CSA)/ Certified Credit Professional (CCP/CCP-i)/ Omega Programme
- Minimum 5 years banking experience with 5 years in Credit Evaluation as a credit analyst. Sound knowledge of credit risks (Risk Financial Ratio Analysis)
- Good in Microsoft Office
- Good Interpersonal, Communication, Analysis and Writing skills
- Good business and credit sense
- Strong Team player
Benefits
Dental, Education support, Miscellaneous allowance, Medical, Loans, Sports (e.g. Gym), Parking, Vision, Regular hours, Mondays - Fridays, Casual Business Wear, Performance Based Rewards