Job Description

As a Manager in Independent Credit Risk (ICR) & Policy within the Risk Management department, your primary responsibility is to oversee the credit policies and procedures of the organization. Your role involves ensuring that these policies align with the Group\'s standards and comply with relevant local regulatory requirements. Presently, a team of 5 that has 2 sub units (1) Credit Post Approval and (2) Credit Policies/Framework. The team reports directly to the Chief Risk Officer (CRO).

• Review and Update Credit Policies & Procedures: You will be tasked with reviewing the existing credit policies and procedures regularly. Your goal is to ensure they remain relevant, up-to-date, and in line with the organization\'s risk appetite and strategic objectives. If any changes are necessary, you will work on updating them accordingly.
• Assess Applicability of Credit Policies: It\'s essential to assess the continued relevance and applicability of the credit policies based on the evolving business landscape and market conditions. This includes evaluating their effectiveness in managing credit risk and supporting the organization\'s risk management goals.
• Challenge Credit Practices: You will play a crucial role in challenging the credit practices followed by the 1st lines of defense (e.g., front-office teams, lending departments) to verify if they align with the requirements set forth in the credit policies. By doing so, you ensure that the credit risk is adequately managed and that policies are being implemented effectively.
• Perform Maintenance and Updates: As part of your responsibilities, you will maintain and update the credit policies as needed. This involves keeping track of changes in regulatory guidelines, industry best practices, and the organization\'s risk appetite.
• Provide Advisory Support: Colleagues from different business units may seek guidance on interpreting credit policies and procedures. As a subject matter expert, you will provide advisory support to help them understand and implement the policies correctly while adhering to the organization\'s risk management framework.

Opportunity to be part of pioneer team|Work life balance & full flexibility

• Exposure in processing/reviewing corporate/large commercial loans or exposure in credit policy review
• Has at least 5 years of experience in the above field
• Analytical and has critical thinking ability especially in reviewing credit proposals.

Our client is among the largest banks in Malaysia, with a substantial asset size of RM500 billion. With an outstanding track record of consistent profitability for over 60 years, they have proven their financial stability and success. Their comprehensive one-stop financial portal provides a wide array of services, including various accounts, credit cards, loans, deposits, and other financial assistance tailored to meet personal and business needs.

• Employee financial and physical well-being
• Flexible work arrangements and policies
• Learning and development opportunities
• Team bonding budget and initiatives

Michael Page