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Job Summary
Responsible for assessing SME and Commercial financing applications, identifying key credit risks, and recommending prudent credit decisions to support sustainable business growth and asset quality management.
Job Accountabilities
Credit Evaluation & Risk Assessment
- Conduct independent and objective credit assessments of SME and Commercial credit applications, including new, renewal, enhancement, and review requests.
- Evaluate borrowers business models, financial performance, repayment capacity, industry outlook, management capability, and key risk factors.
- Perform comprehensive credit due diligence, identify emerging risks, recommend appropriate mitigants, and formulate balanced credit recommendations for approval authorities.
- Assess credit structures, financing terms, collateral coverage, covenant packages, and security arrangements to ensure prudent risk management.
Portfolio Monitoring & Asset Quality Management
- Monitor assigned credit portfolio to identify early warning signals, deterioration in credit quality, industry vulnerabilities, and emerging risks.
- Recommend timely remedial actions and risk mitigation measures to preserve asset quality and minimize potential credit losses.
- Support periodic portfolio reviews, risk assessments, and regulatory reporting requirements where applicable.
Business Advisory & Stakeholder Engagement
- Partner closely with Business Units to develop sound financing structures and commercially viable solutions that align with the Bank's risk appetite.
- Provide independent credit perspectives and constructive challenges to strengthen financing proposals and credit submissions.
- Ensure timely turnaround of credit evaluations and responses to internal stakeholders while maintaining quality and consistency of assessment.
Policy, Governance & Compliance
- Ensure all credit evaluations comply with the Bank's credit policies, risk framework, delegated authority limits, regulatory requirements, and applicable guidelines.
- Maintain a balanced approach between business growth, risk management, profitability, and asset quality objectives.
- Contribute to continuous enhancement of credit processes, evaluation standards, and risk management infrastructure.
Job Requirement
- Bachelor's Degree in any discipline. Those with CCP/PCP are an added advantage.
- Minimum 5 years in credit processing, analysis and evaluation or exposure in sales marketing of SME/commercial loans.
- Capable of working independently with minimum supervision, possess strong credit analytical skills and able to work under tight deadlines.
- Good written and communication skills.
- Strong knowledge of credit risk assessment, financial analysis, loan structuring, and risk mitigation techniques.
