Assist the Credit Audit Section/ Department Head(s) in the development of the Annual Audit Plan for the Section/ Department, including completion of the audit risk universe identification/ assessment/ profiling (Corporate/ Retail/ Shariah Portfolio), resource planning and allocation etc.
Assist the Credit Audit Section/ Department Head(s) in ensuring that the approved Audit Plans of the Corporate Credit/ Post Mortem/ Retail Credit/ Shariah and other cross functional audits and ad-hoc assignments are being carried out and completed.
Conduct Pre-Audit Risk Assessment, identify audit objectives/ scopes/ methodology/ samples andprepare the Audit Planning Memorandum, for the areas/ entities units to be audited.
Lead, manage and conduct the credit audit/ post mortem review within the timeframe allocated.
Assist Credit Audit Sections/ Department Head(s) in reviewing and providing feedback on policies and procedures and other consultancy services requested by the Management.
Ensure that all control lapses and weaknesses are raised for management's information and consideration for the next course of actions. Determine any potential fraud (internal/ external) that lead to the accounts turned NPF/ problematic.
Provide practical and value-added recommendation and lesson learnt in improving (1) the Bank's end-to-end control/ risk management processes, to prevent past errors/ gaps, (2) ascertain the needs for upskilling credit personnel, (3) improvement of credit culture & (4) accountability/ consequence management arising from the staff's negligence/ lack of due-care/ fraud.
Review junior team members productivity/ progress, working papers and reports; to ensure findings raised are of with sufficient facts, documentary evidence, appropriate, logical and valid.
Prepare and review all audit findings/ observations based on the evidence and recommend/ provide audit opinion upon conclusion of the audit/ review within agreeable timeline.
Prepare the audit/ post mortem report and Presentation Dashboard, including improvisation of contents/ substances.
Ensure the working papers are prepared comprehensively, in accordance to the department's standard for each audit engagement. Provide guidance and on the job training to team members.
Track and validate closures of audit finding/ recommendation by the auditees/management.
Key Qualifications:
Risk-based audit, credit, investigation and internal control framework
Inquisitive, possess critical thinking, analytical, good communication and report writing skills
Leadership, negotiation and people management skills
Strong understanding of auditing, credit, investigation and banking/ regulatory operations
Bachelor Degree in Accountancy/ Finance/ Business Administration/ etc. and equivalent
Certification for Banks Auditors
Professional Credit Certification (BCP/RCP/CCE/CCP) or Chartered Banker
More than 10 years of experience in Banking / Internal Audit specialising in Credit Audit or Credit Review/ Investigation
