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Job Summary
To mitigate credit risk/investment at pre-approval stage through the provision of independent credit risk appraisal to ensure
comprehensiveness of credit/ investment proposals and prudent conduct in credit/investment granting activities, which
would contribute towards minimizing the Bank's and its subsidiaries impaired credits and impairment provisions arising from
lending/investment activities.
Job Description
Key Responsibilities
- Desired Goals
- Lead and supervise the team in reviewing, enhancing, and developing credit rating models to ensure accuracy, reliability, and relevance.
- Oversee user acceptance testing (UAT) for enhanced or newly developed credit rating models.
- Supervise staff in retrieving and preparing data for model validation and liaise with consultants or independent parties for data cleansing and validation exercises.
- Develop and manage the annual budget for Credit Risk, ensuring alignment with departmental objectives and strategic plans.
- Monitor performance against the approved budget, identifying variances and recommending corrective actions where necessary.
- Customer
- Supervise and ensure timely validation of credit risk ratings and risk assessments for credit and investment proposals received from BPMB, PLC, and GMV.
- Oversee the preparation and submission of comprehensive, high-quality Credit Risk Analysis Reports / Investment Risk Analysis Reports within the agreed turnaround time.
- Promote a strong business partnership approach with stakeholders to support sound and informed credit decisions.
- Internal Process
- Maintain and update the Credit Risk Management Policy, Credit Rating Guide, and Credit Risk Assessment Procedures to ensure consistency with current practices and regulatory requirements.
- Lead periodic reviews and seek necessary approvals for policy and procedural enhancements related to credit risk management and assessment.
- Develop and implement additional procedures or controls deemed necessary to strengthen credit risk governance.
- Ensure all internal documentation, processes, and systems support efficient and effective credit risk management operations.
- Learning & Growth
- Identify and recommend relevant training, seminars, and workshops for staff to enhance technical skills and professional competencies.
- Provide regular coaching, guidance, and on-the-job training to develop staff capabilities.
- Conduct periodic performance reviews to ensure clarity of objectives and alignment with departmental goals.
- Foster a culture of continuous learning and performance excellence within the team.
Job Requirements
- Bachelor's Degree in Economics, Business Administration, Finance, Accounting, or related fields.
- Professional certification such as Certified Credit Professional (Business) or OMEGA Credit Skills Assessment (CSA) is required.
- Minimum of 10 years of experience in credit-related functions, including credit evaluation, analysis, and risk management.
- Strong technical expertise in credit risk assessment, financial analysis, and credit model validation.
- Proficient in Microsoft Office applications (Excel, Word, PowerPoint).
- Excellent analytical, presentation, and communication skills.
- Strong leadership and supervisory skills with the ability to drive team performance and collaboration.
- Good industry knowledge and established professional networking skills.
Requirement
Head, Credit Evaluation Team I (Open)
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