Credit Management / Credit Evaluation

1.CREDIT MANAGEMENT DEPARTMENT

JOB RESPONSIBILITIES

1. Responsible for the preparation, review and submission of credit-related regulatory reports, ensuring data accuracy and compliance.

2. Analyze and monitor credit business data to promptly identify and warn of potential risks.

3. Participate in the daily monitoring of credit business and assist in improving the monitoring indicator system.

4. Support the optimization of credit business systems and data management to enhance work efficiency.

5. Organise, analyse and write relevant reports to provide decision-making support for Management.

6. Assist in completing other tasks related to credit regulatory reporting and monitoring.

7. Other duties to be assigned by Head of Department and/or Senior Management.

JOB REQUIREMENTS

· At least a Bachelor degree in finance, banking, accounting or equivalent from a reputable university.

· Minimum of 5-8 years of banking/ financial institution experience with a good understanding of credit business processes and regulatory requirements. Experience in the preparation of credit-related regulatory reports is preferred.

· Proficient in data processing and analysis using Excel, SQL, etc.

· Familiar with Python or other programming languages is preferred, with the ability to automate data processing and analysis through programming.

· Strong analytical and logical thinking skills.

· Team player with strong learning ability and sense of responsibility, with attention to detail and the ability to work under pressure.

· Language proficiency (both verbal and written): English, Chinese/ Mandarin and Bahasa Melayu.

2.CREDIT EVALUATION DEPARTMENT

JOB RESPONSIBILITIES

1. Conduct comprehensive and timely credit risk assessment for Commercial and Corporate

applications, providing credit risk mitigation and recommendations to enable credit

decision-makers to formulate a well-informed decision, with the objective of

satisfying borrowers needs and protecting the Bank's asset quality.

2. Ensure compliance of the Bank's credit policies, applicable rules and regulations, guidelines & procedures while maintaining a balance in promoting profitable

business growth and preserving asset quality.

3. Respond promptly to requests from Lending Units/ Branches within the agreed

turnaround time.

4. Work closely with Lending Units/ Branches to identify and mitigate credit risks. Act

as a key reference point for credit related matters and provide guidance on credit

structuring and risk mitigation where necessary.

5. Provide coaching and guidance to Lending Units/Branches periodically to enhance

credit quality and risk awareness.

6. Provide support on matters related to Bank's credit and risk management

infrastructure, including policy updates, process improvements and systems

enhancements.

JOB REQUIREMENTS

1.At least a Bachelor degree in finance, banking, accounting or equivalent from a

reputable university.

2.Possesses the professional credit certifications such as PCC, CCE, BCP or equivalent will be an added advantage.

3.Minimum of 5 - 8 years of banking/ financial institution experience in credit analysis

or loan origination.

4.Strong credit analytical skills and sound business acumen.

5.Well-versed in relevant banking rules and regulations/ guidelines.

6.Good interpersonal and communication skills, with the ability to interact with all

levels of staff and Senior Management.

7.Able to work independently with minimum supervision and strives to meet deadlines. 8.Proficiency in Microsoft Office applications including Word, Excel and PowerPoint.

9. Language proficiency (both verbal and written): English, Chinese/ Mandarin and Bahasa Melayu.