Key Responsibilities:
- To ensure compliance with the Bank’s lending template, credit guidelines/parameters, regulatory requirement and to highlight the discrepancies to approving authorities.
- To identify key credit risks and propose relevant mitigating measures and covenants to enhance credit quality, appropriate loan packaging and pricing.
- To prompt Business Units and / or other relevant units on warning signals, non-compliance/fraud/negligence for monitoring and follow-up.
- To ensure all credit proposals are evaluated within the specified turnaround time stipulated by Management.
- To provide training and guidance to improve quality of credit processing.
- To provide response to the credit review and auditors.
- To prepare & review all related periodical & ad-hoc reports as required by Management.
- To actively engage with credit personnel from business unit and to conduct periodical branch visit.
Job Requirements:
- Preferably tertiary education.
- CCP holder or any equivalent credit accreditation is an added advantage.
- Minimum of 3 years banking experience in processing of credit applications.
- Able to conduct financial analysis, analysis of cash flow projections and possess good credit skills in the identification of risks in respect of borrowers, loan structures, business sectors and industries.
- Able to provide value added comments and derive to an independent credit evaluation.
- Detail conscious, alert and proactive person with initiative and a strong sense of responsibility and commitment to meet tight deadlines.
- Able to articulate well with strong credit writing and communication skills.
- High-level accuracy and attention to detail.
- Able to work independently and as a team member
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