Job Description

DescriptionPrimary Objective:Manage the credit evaluations for Commercial and CBBC credit applications. Jointly approve credit applications within delegated discretionary authority limits and recommend those beyond for higher level approving authorities.Evaluate and approve applications from End Financing Management, Consumer Credit and Cards & Unsecure Business.
Key Responsibilities:Evaluation

• Evaluation of credit applications from End Financing, Consumer Credit & Business Banking.

• Ensure service standards on Turnaround time for credit application processing are consistently met.

• Ensure credit quality stands up to approving authority expectations.

• Be conversant with key industry trends and highlight any adverse market information for management attention.

Approval within Discretionary Power

• Approve credit applications within his/her delegated discretionary powers (DP).

• The DP covers permanent and temporary facilities as well as ad-hoc and administrative requests from lending units including both local and overseas branches/centres.

Strategy and Planning

• Relief other RCMs.

• Provide input for review of existing workflows, procedures and processes with a view to improve service quality at reduced cost and increased revenue.

• Undertake special functions as assigned by management to improve credit quality or enhance credit culture within the Banking group.

Compliance

• Ensure compliance with Internal Credit Policy and Procedures, Statutory Guidelines (BNM/GP Guidelines, Exchange Control Regulations, Basel II requirements) and Legal Principles of Lending.

RequirementsRequirements:
Bachelor Degree - Degree or Diploma.- Preferably Credit Skills Assessment (CSA)/ Certified Credit Professional (CCP/CCP-i)/ Omega Programme, Chartered Islamic Finance Professional (CIFP)Minimum 20 years banking experience with more than 10 years in Credit Evaluation as analyst/approver. Sound knowledge of credit risks (Risk Financial Ratio Analysis).- Microsoft Office- Good business and credit sense- Good Interpersonal, Communication, Analytical and Writing skillsBenefitsDental, Education support, Miscellaneous allowance, Medical, Loans, Sports (e.g. Gym), Parking, Vision, Regular hours, Mondays - Fridays, Casual Business Wear, Performance Based Rewards

RHB Bank