Senior Credit Manager

Senior Credit Manager

RHB Banking Group
Kuala Lumpur Malaysia
5-8 years
Not Specified

Job Description


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

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