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Corporate Credit Specialist

Salary undisclosed

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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

  • 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

Skills/Knowlegde

  • 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