Senior Executive, SME Remedial Management

Job Description

JOB TITLE

Senior Executive, Remedial Officer, SME Remedial Management

GRADE : I

NAME

REPORTING RELATIONSHIPS

JOB TITLE

FOR

3.1

REPORTS DIRECT TO

Team Lead, SME Remedial Management (TL)

• Early Warning & Rehabilitation activities for SME banking
• Portfolio / account monitoring / review against Early Warning triggers and market intelligence
• Day to day operation of rehabilitation process which includes collection, restructuring & rescheduling activities.
• Timeliness of the execution of rehabilitation process for SME Banking portfolio.
• Monitoring and tracking of the effective implementation of account strategy mapped out for rehabilitation accounts.
• Timely reporting of status of rehabilitation activities.
  
  

3.2

REPORTS INDIRECTLY TO

Head, SME Remedial Management (HRM)

As above

3.3

DIRECT REPORTS

Nil

3.4

INDIRECT REPORTS

Nil

4

Job Purpose

• To support the team in conducting reviews and investigations, including assisting with market intelligence checks on accounts identified through early warning triggers and tools. The aim is to facilitate early detection of weak or potentially problematic credits, enabling timely remedial action to reduce delinquency or credit loss.
• To assist in the rehabilitation process by supporting senior team members in implementing recovery initiatives, helping to prevent further deterioration of loan quality in response to internal indicators and external market trends.
• To contribute to the management of potential non-performing loans by supporting efforts to rehabilitate accounts where possible, helping viable customers avoid becoming non-performing.
• To uphold the Bank's values by supporting efforts to build long-term partnerships with clients while helping to maximize recovery and rehabilitation efforts.
  
  

5

KEY RESPONSIBIITIES

• Assist in performing account reviews and investigation including supporting market intelligent checks on accounts identified via early warning triggers and tools to assess / evaluate customers risk profile to identify weak / problems credit for early remedial actions.
• Support the preparation of early warning reports and provide input and data to assist senior team members in evaluating customer risk profiles and potential remedial actions for decision making.
• Monitor and track portfolio performance to provide accurate and timely management/ portfolio reports / information.
• Proactively support monthly reporting activities, including data extraction and preparation, attend to PRC request and handle matter arising if any.
• Provide assistance in the execution of rehabilitation strategies for SME Banking accounts under the guidance of senior staff, including follow-ups and coordination with relevant departments.
• Ensure all assigned rehabilitation support tasks are carried out in accordance with internal procedures and regulatory guidelines, and escalate any issues to senior team members promptly.
• Assist in tracking and updating records related to rehabilitation activities and ensure timely reporting to the Team Lead and HRM.
• Contribute to the continuous flow of lesson learnt and feedback to various related units such as Sales/ Risk Management units to improve the robustness of underwriting standard on an on-going basis.

• Demonstrate teamwork, open communication, and a willingness to learn and grow within the role..
  

KEY RELATIONS

Working Relations

(INTERNAL & EXTERNAL)

Regular Contacts

Nature of Purpose

Internal

• SME Banking Business Unit
  
  

Client management & site visitation

• SME Collection
  
  

Collection team -3Alliance

• SME Banking Credit
  
  

Feedback on credit assessment & review

• SME Banking Scorecard, MIS & Analytics
  
  

B-score, MIS & Analytics

• Group Credit Administration
  
  

Enforcement, Legal Documentation & Custodian

• Fraud Management
  
  

Fraud validation & investigation

• Legal & Group Operation Control
  
  

Legal & compliance issues

• Internal Auditors
  
  

Auditable items

External

• External customers
  
  

Potential problem credit probing and investigation.

• Solicitors
  
  

To engage and monitor the effectiveness of legal activities including civil & foreclosure processes to ensure speedy recovery of loans.

• Valuers
  
  

To obtain update verbal/formal valuation on collateral

• CGC, SJPP, AKPK, SDRS & BNM
  
  

Matters pertaining to recovery processes

• Related parties e.g. other bankers, trade suppliers
  
  

To assess the severity of problems from the perspective of these key players involved with the customer's business

CONTRIBUTES TO

• Reduction of delinquency & NPL ratio
• Minimize bad debts and loan loss provisions / losses
• Contributes to the Bank's competitive differentiation, as a committed long term player in the industry
• Goal setting and results monitoring.
• Maximize customer satisfaction by positioning the Bank as their long term business partner via work out culture rather than a fair weather banker.

AUTHORITIES

Nil

Required

EXPERIENCE / KNOWLEDGE

Skills

• Good credit evaluation/ assessment skills
• Good communication & negotiation skills
• Ability to work closely with all other relevant parties
• Open to learning new systems, processes, and regulatory requirements in a dynamic banking environment.
  
  

Knowledge

• Relevant knowledge of credit evaluation / legal documentation / general recovery processes
• Product knowledge (eg: types of banking products, legal documentation, general/basic Islamic/Shariah knowledge)
• Proficiency in Windows (Word / Excel / etc)
  
  

Experience

• Prior experience or minimal involvement in credit evaluation or sales activities within a banking environment.
• Demonstrate basic knowledge in financial analysis acquired through formal education / relevant working experience.
• Good knowledge of judicial/legal systems and other related loan management matters

SCOPE MEASURES

• To meet the KPI requirements as set by Management year-on-year