Create your future with Affin! You too can make a difference.
Join us at AFFIN, where the open minds meet and be inspired by a shared commitment to great work. Here, you don't just stay at the forefront of the industry you can make a difference too.
Job Purpose
Assist HOD in credit acquisition of corporate loans/ financings to exceed targets as well as managing the team members.
Accountabilities
- CREDIT ACQUISITION
- Work with HOD and lead the Team Members with a focus on originating deals, wallet sizing, and cross-selling on an existing portfolio, exceeding clients expectations and overall growth.
- Work within the confines of the Risk Management framework.
- ACCOUNT PROFITABILITY
- Maximize earnings potential and revenue of relationships.
- Review and monitor revenue performance.
- Multiple products sold to clients.
- Managing portfolio's ECL and ensuring asset quality of the portfolio.
- CLIENT RELATIONSHIP MANAGEMENT
- Support, identify, solicit, and establish a high-value client base for the bank
- The ultimate ownership of customer relationships and customer interface
- Activate opportunities and risk criteria.
- Manage proactively a portfolio of corporate accounts by monitoring the status and credit risk of each account
- Internal coordination/liaison with service delivery centers / HQ departments to maximize process efficiency and customer satisfaction.
- SERVICE MANAGEMENT
- Promptness in completing annual reviews, other credit submissions, and preparation of Executive Summary, where necessary.
- Ensure promptness and quality of credit processing
- To present all annual review papers to Group Management Credit Committee
- Monitor overdue accounts and undertake prompt measures to prevent deterioration of NPL.
- Provide customer-level information to relevant parties within the Bank.
- Facilitate the drawdown of facilities.
- STAFF DEVELOPMENT
- Mentor and coach to the Assistant Relationship Manager(s) (ARM)
- Identify training needs and recommend ARM for development training.
- When and where necessary, guide and advise the ARM on their portfolio management.
- COMPLIANCE WITH REGULATORY AND BANK POLICIES AND PROCEDURES
- To comply with regulations and Bank's internal policies and procedures and provide feedback to ensure better efficiency.
- Ensure that client instructions are duly effected by applying all standard checks and controls and coordinating with other departments including Operations/Finance/ Compliance.
- Accurately assess the risk profile, suitability, and appropriateness of clients when marketing products and services by maintaining an accurate and up-to-date call report.
- To manage the application of AML/CFT internal programs and procedures including proper maintenance of records and reporting suspicious transactions.
- Apply regulatory requirements such as KYC, AML/CFT, and procedures at all times.
- ADDITIONAL RESPONSIBILITIES
- Undertake additional responsibilities e.g. working committees etc. assigned by the immediate superior when required.
Qualifications
- Degree in Finance, Accounting, or equivalent.
- Candidates with professional credit certifications such as PCC, CCE, BCP, and Chartered Banker will be an added advantage.
- Minimum 6 years of banking experience with majority exposure to corporate banking and credit risk management.
