Senior Vice President | Credit Evaluation & Decisioning
- Full Time, onsite
- GatedTalent - Connecting Top Executive Search Firms And Executives
- Kuala Lumpur, Malaysia
Salary undisclosed
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An organisation is seeking a Senior Vice President | Credit Evaluation & Decisioning
Job Descriptions
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Job Descriptions
- Lead development, implementation and monitoring of credit risk strategies to optimise risk-reward trade-off.
- Main responsibility is risk identification and risk mitigation during credit assessments to ensure long term asset quality and minimise loan losses.
- Job would require active engagement with business/credit risk taking units and other internal stakeholders.
- Jobholder will be vested with credit approving authority for a designated portfolio comprising corporate customer groups.
- Identify material issues which could cause deterioration in customer credit profile and recommend mitigation/premptive actions to avoid impairment.
- Ensure timely completion of credit evaluation and assisting business units in suggesting risk mitigating terms during evaluation of credit proposals.
- Mediate difference in view between direct reports and business units in order to achieve an optimal proposition for client, balancing both risk and business needs.
- Attend client presentation and meeting to ‘Know Your Customer’ and understand business operation and risks to aid in risk evaluation and decision making.
- Maintain market awareness so as to be vigilant of trends affecting existing and future credit exposures.
- Have an overview of the portfolio managed
- Manage and monitor work by direct reports to ensure risk evaluation is done appropriately to aid decision making.
- Recommend/support and share accountability of credit evaluation made by direct reports and employees within the unit, when necessary.
- Review and signoff credit ratings submitted by the business units and where appropriate, recommend upgrades or downgrades in credit rating.
- Exercise of delegated credit approving powers within authorised limits/parameters, when necessary.
- Contribute views on credit-related issues during “client service team’ discussions, product readiness assessments process and formulation of internal risk policies.
- Archive financial performance through assessment of risk/reward relationship when making business decisions, demonstrating particular consideration for the Group’ s and safeguarding the banking Group and its subsidiaries by applying sound ethical judgement regarding business practices.
- Adhere to Risk and Compliance matters to the spirit and letter of regulations, internal policies and GRAF within own areas and teams, e.g AML/CFT, adherence to Compulsory leave, compulsory training, timely CMR and KRI submissions.
- Provide effective leadership to maintain high level of staff engagement.
- Ensure staff develop strong credit skills and accounting knowledge that will facilitate sound credit recommendation and/or decisions.
- Identify successors’ within the unit and drive the development of potential successors in order to ensure their readiness to assume targeted key positions.
- Drive the need for all employees within the unit to have their own individual development plans to facilitate am environment for knowledge and skills development.
- Bachelor’s Degree in Finance/Accountancy/Economics or related field;OR
- Post-Graduate Diploma in Banking OR relevant professional qualification eg ACCA, CFA
- Certified Credit Professional or equivalent recognised by the Banking Group
- Minimum 12 years’ credit experience in corporate credit with exposure to capital markets.
- Experience in managing a team of subordinates in related work environment.
- Exposure in marketing /client coverage will be an advantage.
- Strong communication and influencing skills.
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