Here's a job description for a Senior Credit Manager at RHB Bank Berhad:
Senior Credit Manager, RHB Bank Berhad**
Job Summary**
The Senior Credit Manager will be responsible for overseeing and managing a portfolio of complex credit facilities, ensuring sound credit assessment, risk mitigation, and compliance with internal policies and regulatory requirements. This role involves leading a team, providing expert credit advice, and contributing to the bank's overall credit strategy.
Job Responsibilities**
- Conduct in-depth credit assessments and financial analysis for complex corporate and commercial credit applications, including syndicated loans, project financing, and structured facilities.
- Review and approve credit proposals within delegated authority limits, ensuring adherence to credit policies, procedures, and risk appetite frameworks.
- Develop and implement robust credit risk mitigation strategies, including collateral management, covenant structuring, and ongoing monitoring of portfolio performance.
- Monitor and manage a designated loan portfolio, identifying early warning signs of credit deterioration and recommending appropriate remedial actions.
- Collaborate with business development teams to understand client needs and provide tailored credit solutions while maintaining credit quality.
- Stay abreast of industry trends, economic conditions, and regulatory changes affecting credit risk management.
- Prepare and present credit reports and analyses to senior management and credit committees.
- Ensure compliance with Bank Negara Malaysia (BNM) guidelines and other relevant regulatory requirements.
- Participate in the enhancement of credit policies, procedures, and systems.
Job Qualifications**
- Bachelor's degree in Banking & Finance, Accounting, Economics, Business Administration, or a related field. A Master's degree or professional certifications (e.g., CFA, FRM) is a plus.
- Minimum of 8-10 years of progressive experience in credit risk management within the banking or financial services industry, with at least 3-5 years in a leadership or supervisory role.
- Proven expertise in corporate and commercial credit analysis, financial modeling, and risk assessment for various industries.
- Strong understanding of banking products, lending practices, and regulatory frameworks (e.g., BNM guidelines, Basel III).
- Excellent analytical, problem-solving, and decision-making skills.
- Demonstrated ability to lead, motivate, and develop a team.
- Exceptional communication, interpersonal, and presentation skills.
- Proficiency in financial software and Microsoft Office Suite, particularly Excel.
- High level of integrity and a strong commitment to ethical practices.
