Key Responsibilities

The CCB Risk Credit Officer is an intermediate-level position responsible for approving and managing Company\xe2\x80\x99s Commercial Banking risk exposure in Malaysia in coordination with the 1st Line of Defense and Risk Management team. The primary objective of this role is to manage Company\'s Commercial Banking credit portfolio in accordance with Company and regulatory requirements.

Responsibilities:
Work as an Independent Risk Approver focusing on Commercial Banking relationships. Partnering with the sales and analyst team, providing value-added input supporting development of financing solutions within Company\xe2\x80\x99s Target Market and Risk Acceptance Criteria and overall Risk Appetite.
Work closely with the Malaysia Risk Management team in performing portfolio management tasks including rapid portfolio reviews, stress testing, and governance activities.
Participate in developing, testing, and optimizing credit processes, ensuring consistency and regulatory compliance, and assist in the implementation and/or development of those policies, processes and other related initiatives.
Working closely with Business and Analyst team in reviewing and resolving issues and bottlenecks around outstanding credit applications and process. Ensure timely completion of credit approval packages, including annual reviews, interim reviews, monitoring memos and new credit proposals.
Take leadership in monitoring account status, collecting market intelligence, working with business & analysts to evaluate the situation and determine necessary actions.
Learning about a broad range of industries and developing a deep level of expertise on Company\xe2\x80\x99s credit, policies and practices
Maintain an in-depth knowledge of Company credit policies and procedures and applicable local and U.S. regulations in achieving compliance and satisfactory internal and external audit results
Participate in Global Industry Workstreams (as needed), providing input which supports development of industry specific strategies.
Ensure safe, sound and timely underwriting practices and overall leadership of Company credit standards

Key Requirements:
Degree holder with a minimum eight years of experience in corporate/commercial bank risk management and/or financing
Strong analytical skills with ability to process complex information and structure a financing solution with strong attention to detail and ability to deliver risk \xe2\x80\x93 reward balanced outcomes. Confidence to present high-quality credit recommendations.
Ability to work with bankers and analysts in analyzing complex credits and monitoring the portfolio with the goal of proactively managing the portfolio within Company\xe2\x80\x99s Risk Appetite.
Ability to adjust plans and priorities when necessary to meet evolving client and business needs
Highly independent with strong self-initiation and is able to work under pressure with minimum supervision
Ability to embrace new technology and understand the role digital plays in the experience we deliver for our clients with focus on process discipline and improvement
Sound understanding of cash, trade and derivative products. Good understanding of counterparty risk, market risk and its impact on credit decisions.
Self-starter with ability to lead and work through ambiguity
Industry
Banking / Financial Services
Status
Permanent
Function
Vice President
Working Hour
NORMAL
Language
English