The Credit Secretariat plays a critical governance and coordination role in supporting the bank's Credit Committee (CC), ensuring the integrity and completeness of credit submissions, tracking decisions, monitoring post-approval conditions, and maintaining records. This role is key in facilitating credit risk governance and operational efficiency, while upholding regulatory and internal policy standards.
1. Credit Committee Secretariat Duties
- Coordinate scheduling and logistics for Credit Committee (CC) meetings.
- Manage and compile agendas, credit proposals, and documentation for review and discussion.
- Coordinate and ensure quorum for each meeting is being met and to update the Committee Members and all relevant departments/divisions of any changes to the pre-scheduled meeting dates, time and venue.
- Ensure completeness and consistency of credit proposals before tabling at the Committee.
- Record and circulate accurate minutes of meetings, highlighting key decisions, conditions, and action items.
- Track and follow up on post-approval conditions and covenants until closure.
2. Governance and Oversight
- Ensure adherence to internal credit policies, BNM requirements, and delegated authority limits.
- Maintain records of CC approvals and ensure archiving for audit and regulatory inspection.
- Support CRO and Head or Credit Risk Management (HCRM) in governance reviews related to credit processes, documentation, and quality control.
- Liaise with Credit Risk, Legal, Shariah, and Business teams to ensure proposals are robust and compliant.
- Ensure that credit approval authority structure is clearly established and underpinned by clear delineation of duties, and an appropriate segregation between credit risk oversight and decision-making.
3. Reporting & MI
- Prepare regular reports on credit approval trends, approval turnaround times, conditions tracking, and exceptions.
- Assist in credit risk reporting to Board Of Directors (BOD), Board Risk & Compliance Committee (BRCC), Risk & Compliance Management Committee (RCMC), and internal stakeholders.
- Highlight policy breaches, recurring issues, or gaps in submission quality to CRO, HCRM and relevant owners.
- Record credit decisions and key deliberations in the relevant credit systems to support auditability and downstream processes.
4. Policy & Process Support
- Assist in the review and update of credit-related policies, procedures, operating manuals, and committee TORs as needed.
- Support initiatives to improve quality, consistency, and efficiency in credit committee processes.
- Coordinate with the Company Secretariat Department for papers to be submitted for approval/notification at the BAC, BRCC & BOD meetings, if any.
Job Requirements
- Bachelor's degree in Banking, Finance, Accounting, Risk Management, or a related discipline.
- 46 years of experience in banking, preferably in credit risk, credit operations, or risk governance.
- Exposure to credit committee processes or credit administration is highly desirable.
- Familiarity with BNM regulatory requirements and credit risk governance frameworks.
- Strong understanding of credit processes, documentation, and risk assessment fundamentals.
- Excellent coordination and organizational skills; detail-oriented and process-driven.
- Strong written and verbal communication skills; able to write clear minutes and reports.
- High level of integrity, independence, and professionalism.
- Proficiency in Google and credit documentation platforms.
