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Job Summary

To support the Head, Corporate Banking 4 to lead and manage the team in undertaking the tasks of all credit prior and post approval activities starting from starting from credit evaluation, approval, disbursement up to full settlement in accordance and compliance to the prevailing policies, procedures and guidelines whilst maintaining client relationship and delivery standards. These activities include preparing credit proposals, credit reviews, classification of MFRS 9, changes to loan terms and conditions, restructuring, rescheduling and follow-up visits/reports.

Job Description

Team Leadership & Performance Management

Supervise, lead, and guide the team to ensure successful achievement of corporate KPIs and departmental objectives.
Monitor and evaluate team performance, provide continuous coaching and structured on-the-job training (SOJT) to enhance skills, knowledge, and competency.
Identify relevant training and certification opportunities for team members (e.g., credit analysis, financial modelling, i-CCE, AQIF, Professional Banker).

Credit Evaluation & Proposal Preparation

Analyze historical financial statements to assess turnover growth, profitability, and financial ratios, benchmarking against industry peers.
Evaluate all credit aspects including management strength, industry outlook, market competition, collateral, and cash flow projections to determine the viability of financing requests.
Prepare comprehensive credit proposals for new and additional financing, incorporating appropriate risk mitigation strategies and financial covenants.
Review and validate credit proposals and justifications submitted by team members, ensuring alignment with internal policies and procedures.
Address and resolve comments raised by Credit Risk on financing proposals.

Credit Review & Risk Monitoring

Develop and maintain a schedule for credit reviews of all approved facilities in accordance with MFRS 9 classifications (quarterly, half-yearly, or annually).
Review and comment on credit review reports prepared by team members.
Identify early warning signals and recommend appropriate actions, including restructuring, reclassification, or transfer to Group Credit Recovery (GCR).

Variations to Financing Terms (R&R / RVT)

Evaluate and review proposals for rescheduling, restructuring, or other variations to terms and conditions.
Ensure timely issuance of letters of consent, changes, and related documentation for post-financing activities.

Compliance & Due Diligence

Oversee the review of Customer Risk Profiling, Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD) for customers and related parties.
Ensure full compliance with AML/CFT guidelines and regulatory requirements.

Site Visits & Monitoring

Conduct or supervise scheduled, non-scheduled, or surprise site visits to monitor project progress and validate customer operations.
Review site visit reports and assess implications on MFRS 9 triggers or other credit risks.

Reporting & Documentation

Review monthly reports including Loan Status Reports for Pre-Watchlist, Watchlist, Impaired, and R&R accounts.
Evaluate Monthly Monitoring Reports and provide input for ad hoc reports required by BNM, auditors, or management.

Process Improvement & Special Projects

Recommend and implement updates to Credit Operations Guidelines, policies, and procedures to enhance internal processes.
Participate in credit value chain projects and represent the department in cross-functional initiatives or task forces as assigned by the Head of Department.

Job Requirements

At least 5 years of experience in financial/banking industry
Knowledgeable in credit structuring
Familiar in corporate and debt restructuring and project rehabilitation.
Experience in loan/project monitoring.

Requirement

Team Leader, Corporate Banking 4 (Open)

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