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Create the future with Affin! You too can make a difference.
We continuously innovate to transform our financial services landscape - making banking better and easier. Join us at AFFIN, where the open minds meet and be inspired by a shared commitment to great work. You too can make a difference.
Job Purpose
Evaluate credit applications submitted by Business Units and make appropriate recommendation to the board approval.
Key Responsibilities
We continuously innovate to transform our financial services landscape - making banking better and easier. Join us at AFFIN, where the open minds meet and be inspired by a shared commitment to great work. You too can make a difference.
Job Purpose
Evaluate credit applications submitted by Business Units and make appropriate recommendation to the board approval.
Key Responsibilities
- Evaluate credit applications submitted by Business Units and make appropriate recommendation to the Credit Committee and Management Committee for approval.
- Vetting through of Board credit approval papers.
- Approve credit applications submitted by Business Units and Credit Specialists within approving authority.
- Highlighting key and inherent risk otherwise not identified in a credit application:
- Providing mitigating factors
- Assessing expected level of profit for undertaking various credit risks
- Communication with Business Unit to educate and instill credit culture, risk-return discipline and adopt best practices in the assessment and restructuring of credit applications
- To ensure credit risk measures and credit risk profile are consistent and within the bank’s minimum credit standards and policies
- To review (moderate) credit risk grades to reflect the loan quality and consistence vis-à-vis other loan assets.
- Continuous development of tools and methodologies to focus on the risk and return.
- To provide independent reviews and analysis, as and when required, on the performance of loan portfolios outside GCM and provide appropriate recommendations and solutions.
- To proactively detect deterioration in credit quality and recommendation of appropriate measures to mitigate and protect the bank’s interest.
- Observe and adhere to compliance regulatory requirement during discharging of duties.
- Supervision of credit specialists
- Minimum experience of 10-15 years in managing credit including experience in credit evaluation and approval
- Exposure in Corporate credit
- Strong credit analytical skill
- Knowledge of industry, market and general business
- Ability to negotiate with Business Unit on credit-related issues, loans and financing
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