Manager, Post Approval Credit Review

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Position Objective

• To conduct Post Approval Credit Review ("PACR") on accounts sampled as per PACR guidelines and ICR manual, in compliance with the requirements specified in BNM policy on Credit Risk and internal credit policies to ensure that credit decision-making remains consistent with the Bank's overall credit risk management arrangements.
• To conduct Post-mortem Credit Review ("PMR") on all newly and relapsed impaired accounts.
• Participate in sharing sessions with various stakeholders to educate them on the learning points gained from PACR and PMR.
• Escalate and report credit review findings and recommendations to senior management, Group Board Risk Management Committee (GBRMC) and Group Board Audit Committee (GBAC).
• To undertake special assignments/ad-hoc task arising from specific requests from Management/Board.
  
  
  

Key Responsibilities

• Conduct risk-based post-approval credit review on sampling basis
• Conduct credit review work in accordance with the objectives, established standards, approved credit review plan and work program.
• Identify and highlight credit risk issues, weaknesses and vulnerabilities to respective Business Units for their response and remedial actions. Where appropriate, make recommendations to mitigate the risk(s) identified and/or rectify the issues highlighted.
• Monitor and detect any deterioration or potential deterioration in credit quality and make recommendations to mitigate the identified risks.
• Review and provide value added feedback to enhance credit risk strategy, credit risk policy, annual credit plan and product programs.
• Review and provide value added feedback to enhance credit risk strategy, credit risk policy, annual credit plan and product programs.
• Prepare and submit credit review report promptly to Senior Management, Group Board Risk Management Committee (GBRMC) and Group Board Audit Committee (GBAC).
• Participate in sharing sessions/workshops to various stakeholders on key lessons learned from past credit failures with the objective of minimizing recurrence of such mistakes.
• Perform any other duties assigned by the superior.
• To conduct Post-mortem Credit Review ("PMR") on all newly and relapsed impaired accounts for both Retail and Non-Retail loans/financing.
  
  
  

Skills/Knowledge

• Degree in Finance/Business Admin/Accounting or Economics.
• Credit certification such as CCP, BCP, Chartered Banker.
• More than 5 years' experience in credit review/analysis and/or credit appraisal/approval functions, covering corporate, commercial and retail loans/financing. Experience in independent credit review is an added advantage.
• Strong skillset in credit risk assessment, financial analysis and risk management.
• Sound knowledge in credit products, credit policy & procedures and regulatory requirements.
• Good interpersonal skills.
• Inquisitive with strong analytical skill.
• Good report writing and communication skills.
• Proficient in navigating the intricate intersection between risk management and business needs, offering a pragmatic approach to deliver effective solutions.
• Proficient in Ms Office - Word, PowerPoint and Excel.