Job Description

Job Purpose :Evaluate and recommend credit proposals from originators via independent credit risk assessment (ICRA) report within stipulated time frame in order for approving authorities to make effective decision making within the Bank's developmental role.Principal Accountabilities :

• Ensure the Bank achieves sustainable financing asset growth and profitability by way of balancing risk and reward associated with financing exposures.

Independently assess credit proposals raised by originators based on industry specialization:

• To independently appraise and evaluate commercial and corporate credit proposals of more than RM10.0 million in aggregate under specific industry from originators for the respective approving authorities.
• Identifying all pertinent credit risk issues of the credit proposals and propose correct mitigation/action plan
• To issue queries on credit proposals using Query Template (QT) (if applicable)
• To identify any adverse signs or red flags indicating deterioration in quality of existing accounts based on trigger checklist and recommending appropriate remedial action
• To ensure service standard on turnaround time for all ICRA produced are consistently met and within the acceptable credit standards
• Provide timely feedback and advisory services to originators and approving authorities on credit proposals.

Responsible to ensure credit quality is within the Bank's risk appetite:

• Monitor and report on the status of credit proposals under review on a timely basis.
• Maintaining gross delinquent financing ratio not more than 2% (recommended for approval) for financing disbursed within 12 months
• Maintaining gross impaired financing ratio not more than 2% (recommended for approval) for financing disbursed within 12 months
• Ensure quality of independent risk assessment at above 70% thresholds as per Quality Assessment Template (QAT)
• To ensure accuracies, completeness and to highlight any lapses on the credit proposals by conducting Credit Quality Rating Assessment (CQRA)
• To make recommendation for all types of credit proposals to either approve, decline or defer the credit proposal to the approving authorities within the Bank's risk appetite
• To monitor approved accounts on quarterly basis
• Perform independent risk analysis on credit proposals raised by business units and provide recommendation (approve or decline) to approving authorities, within stipulated turnaround time.
• Keep abreast of risk profile of the Bank and emerging risk in the banking and agriculture industries.
• Continuous self-development on credit risk analytical skills, general business knowledge and understanding of agriculture industry.

Ensure credit proposals are within the Bank's mandated and developmental role:

• To ensure all credit proposals are in accordance with the Bank's credit risk strategy, credit risk policy, procedures, and guidelines as well as relevant legal and regulatory requirement.
• To attend in house and external training especially credit related training and at least to obtain professional credit certification
• To participate in credit training, weekly MCC meeting (HQ), adhoc credit activities and other duties assigned by Section Head/Department Head
• To ensure policy issues regarding CP, PEP, Sectoral Limit (AESL) and Large Financing are adequately addressed by the Business Unit (if applicable)
• To provide advisory role to originators to improve credit quality and risk assessment

Requirements & Qualification:

• Minimum 5 years of experience in credit origination/processing and/or credit evaluation functions in corporate and commercial financing or relevant banking / financial environment.
• Preferably MBA or graduate degree in Finance/Business Admin/Accounting or Economics or related discipline
• Certified Credit Professional qualification or equivalent will be an added advantage.
• Must have good knowledge of MS Office especially Excel, Word and Power-point and Credit Reference (CCRIS/CTOS/CBM)/Credit Risk Rating System or Scoring application.
• Possesses strong skillset in credit risk assessment, financial analysis, cashflow projection and identification of risks in respect of customer, financing structures & sectors/industries.
• Good analytical skills with inclination with numbers and able to articulate well with strong credit writing skills/value added comments. Proficient in written/spoken English language will be added advantage.
• Self-motivated with the ability to work independently as well as in a team and able to work under pressure to deliver results.
• Must have sound knowledge of credit products, credit policy & procedures and regulatory requirement.

Employer questionsYour application will include the following questions:What's your expected monthly basic salary?Company profileAgrobank3.8xc2xb7Banking & Financial Services1,001-5,000 employeesAt Agrobank, our mission is to provide a holistic range of financial services and banking facilities with a focus on the agricultural sector.We dedicate our priority to the needs of our customers by providing attractive products and services such as savings activities, banking services, takaful, financing and advisory services.Agrobank is a continuity of the former Bank Pertanian Malaysia which has 40 years of experience in agricultural banking and an excellent track record in shaping and developing successful entrepreneurs. With a wide network of branches throughout Malaysia, we are confident of providing the best services to all.Agrobank is a Government-owned Bank under the Minister of Finance Incorporated (MFI). The bank's financing of the agricultural sector is driven by a policy set forth by the Ministry of Agriculture and Agro-Based Industry (MOA). Agrobank today operates through 190 branches throughout Malaysia, and employs over 3,400 employees.At Agrobank, our mission is to provide a holistic range of financial services and banking facilities with a focus on the agricultural sector.We dedicate our priority to the needs of our customers by providing attractive products and services such as savings activities, banking services, takaful, financing and advisory services.Agrobank is a continuity of the former Bank Pertanian Malaysia which has 40 years of experience in agricultural banking and an excellent track record in shaping and developing successful entrepreneurs. With a wide network of branches throughout Malaysia, we are confident of providing the best services to all.Agrobank is a Government-owned Bank under the Minister of Finance Incorporated (MFI). The bank's financing of the agricultural sector is driven by a policy set forth by the Ministry of Agriculture and Agro-Based Industry (MOA). Agrobank today operates through 190 branches throughout Malaysia, and employs over 3,400 employees.Perks and benefitsMedicalLoansDentalSports (e.g. Gym)Company informationRegistration No.200801010522

Agrobank