Manager - Wholesale Credit (Early Care)

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Overview

The role will be responsible in the early identification of deteriorating loan/financing/asset to prevent inflow into impairment and if impairment is unavoidable, Early Care is to work towards minimizing the losses to the Bank via setting an effective strategy together with the Business & Corporate Banking (BCB). This role will be reporting to the Head, Group Special Assets.

Key Responsibilities

• Credit evaluation of Watch List (WL) and High Risk (HR) accounts, identify area of concerns, recommend appropriate actions/strategies to address the risk factors and conducting site-visit together with BC when necessary.

• Conduct assessment of trigger hits on judgmental/obligatory triggers to determine whether accounts should be downgraded to WL/HR.

• Manage WL/HR accounts jointly with BC, monitor payments & compliance to terms and conditions, provide status update to Mgmt/BNM/auditors/CGC/SJPP, etc.

• Provide assistance/guidance to BC in dealing with accounts with credit concerns e.g. managing customers, identifying area of concerns, vetting R&R Letter of Offer, follow-through on completion of any legal documentation and other queries raised by BCs, etc.

• Provide Early Alerts to BC & CED via Pre-IL report and monitoring of daily PDBs, expired CAs 12 mths report, rating downgrade, adverse news on Borrower etc for early detection of any adverse signs or red flags indicating deterioration in existing account quality to prevent inflow into impairment.

• Reporting responsibilities includes:

• Ensure data accuracy for all reports on WL /HR accounts.

• Prepare/update status report of WL & HR accounts for SAC Meetings/Mgmt/BNM/auditors/CGC/SJPP.

• Update status for new inflows into WL/HR.

Jobholder Requirements

• Malaysian citizen.

• Degree holder in Business, Accounting, Banking & Finance or equivalent.

• Minimum 3-5 years related working experience.

• Able to work both independently as well as part of a team.

• Self-motivated, take pride in one's work and committed with a strong work ethic.