Job Description

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- -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

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