Job Description

Description

Primary Objective:

• Responsible for overall credit evaluation, end financing assessment and provide guidance/directions on the key initiatives of the department to achieve targeted level of portfolio quality and profitability to be in line with overall business direction and risk management framework.
• Leads a team of credit approvers to ensure high standard credit quality of the portfolio by using various credit assessment tools.
• Engages the development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team members
• Manage policy/business guideline, analytics, credit evaluation and approval functions and provide guidance/directions on the key initiatives of the department to achieve targeted level of portfolio quality and profitability to be in line with overall business direction and risk management framework.
• Execute the Service Partner strategy and ensure value delivery from teams, by curating the team\'s performance (managing the "what" and holding responsibility of the outcome of the circle) and initiate continuous improvements in the circle based on customer needs
• System Support - Responsible to support CDE and CCRIS matters on all administrative work related to FLASH and able to provide constructive feedback for continuous improvement in Group Retail Credit
• Project Management \xe2\x80\x93 Responsible for planning, organizing and leading projects while ensuring completion of projects on time, within budget and scope.

Credit Transformation & Process Reengineering to improve the performance of key processes with the aim to reduce costs and cycle times by eliminating unproductive activities and locating work in the most efficient and effective environment.
Key Responsibilities:

Vision and Value delivery:

• Determine a strategy, in alignment with Group Community Banking to deliver the long term target for the Retail Credit Service Partner
• Align with CoE Lead on the objectives of the teams and remove any misalignment
• Disseminate purpose, mission & direction and ensure that all team members are aligned to the purpose
• Execute the CoE Lead\xe2\x80\x99s strategy and ensure value delivery from teams, by curating the team\'s performance
• Continuously engage other CO/stakeholders to align on priorities and major dependencies
• Regularly review report on team performance and examine areas for improve

Continuous improvement of performance:

• Manage overall priorities and productivity to ensure target set are met
• Independently appraise and evaluate credit applications for all/relevant Retail products within DLA Matrix administered by product lending guideline & relevant Group policy to ensure the good quality of loan booked.
• Monitor the incoming volume on daily basis and work with Team Leads to ensure the volume of applications are processed within the standard TAT towards achieving good customer experience.
• Ensure that resources in the Department are effectively managed and rotated to develop multitasking individuals
• Actively explore and assess opportunities for improvement (in alignment with CoE Lead), and identify feasible steps for the Circle to achieve the improvements
• Understand and communicate performance target and initiatives to Team Leads
• Regularly review report on team performance and examine areas for improvement
• To manage and drive the continuous process improvement towards achieving efficiency of credit evaluation
• Continually identify gaps in terms of applications processing TAT as to be better or par than industry\xe2\x80\x99s performance as well as ensuring that best practice is adopted
• Always work on to improvise or automate the process/policy/manuals for operational efficiency and eliminates the error from manual intervention.

Coordination & prioritization:

• Clearly communicate objectives to Team Leads to motivate, inspire and foster delivery
• Regular meetings with Sales team and branches
• Continuously engage other CO/stakeholders to align on priorities and major dependencies
• Attend to appeal cases from higher level of Sales management team and provide the necessary feedback to improve the submission quality.
• Perform Post mortem on NPL cases to study the trend & loopholes, while learning and improving the assessment on moving forward cases. Attend the monthly post mortem review with Product, Risk and Collection to share the finding and propose on areas that need to be analyzed by Risk.
• Attend the Monthly Credit Review meeting, sharing and identifying the policy rules changes required as to improve booking quality.
• Involve and coordinate in the credit policy guideline review within the division or with stakeholders
• Liaise cross functionally and maintain close working relationship with other Business Units within the Bank to achieve Bank\xe2\x80\x99s overall goals for example Risk Modeling, Credit Risk Management, Branches, Sales, Easy, Collection and etc.
• Managing Fraud on credit application & work closely with Fraud Risk Management
• Ensure any comments / feedback from any sources are being diagnosed, analyzed and continued to be improved on.

Support and team management:

• Refine and clarify key issues faced by team members
• Managing talent portfolio within each section by unleashes the potential within staff via coaching, on job training etc.
• Ensure consistent decision making among the credit analysts through consistent briefing, coaching and training
• Ensure credit policies/operational manuals/functional manuals consistent with compliance and regulatory requirements.
• Review and analyze the DLA performance report quarterly to identify the staff strength and reassignment of job function if necessary based on the performance report provided by Risk.
• Ensure the staffs are fully updated with the latest fraud modus operandi and detection skill by consistently sharing the emerging trend updates.

Project Management:

• Carry out project management, i.e., tracking of project risk and issues, agreement and commercial reviewing, managing project scope, timeline, resources and quality
• Vendor management
• Assessment of policy amendments and roll out of all products rules into CDE
• Assessment of CR request in FLASH as well as CCRIS & CTOS reports
• Prepare BNM CCRIS reports
• FLASH Application support, execution and system maintenance

Audit & Compliance:

• Attend to queries and meeting by PACR Group Audit, Group Internal Audit, Compliance/CFT audit, Shariah group audit, External Audit and BNM.
• Work towards achieving satisfactory Audit rating or better on customer service survey as part as implementing Best practices in processing and SLA and Audit rating as to ensure compliance.
• Oversight of Retail Credit architecture for all Operational Risk and Business Continuity Management

Requirements

Requirements:
Bachelor Degree - Minimum Degree in Finance, Economics, Accounting or Business..

- \xe2\x80\xa2 Certified Credit Professional (CCP) OR\xe2\x80\xa2 Professional Credit Certification (PCC) OR\xe2\x80\xa2 Credit Skills Assessment (CSA) OR\xe2\x80\xa2 Possesses a minimum of 15 years of experience in credit or related activities in loan approval and management

• Credit related experience - Minimum 5 years or more functional credit experience either in credit processing / analysis or credit evaluation
• Core credit experience \xe2\x80\x93 Minimum 5 years or more managing the retail banking portfolio either in consumer portfolio or other relevant business units\xe2\x80\x99 credit portfolio
• Business Acumen skill \xe2\x80\x93 knowledge about key business issues and the ability to quickly & confidently make decisions to address different business situations.

Project Management leadership \xe2\x80\x93 strategically manage system project teams who coordinate to ensure works are completed on time, within budget, to a high standard.

• Sets clear and realistic goals, focused on highest value activities
• Motivates and inspires others \xe2\x80\x93 draws out the best in people
• Strong team player; able to work with other leaders
• Strong problem solving skill to support issue resolution
• Adept at solving problems in a logical and fact-driven manner
• Highly adaptable and able to respond to change fast
• Resourceful and able to leverage network effectively
• Operates with focus of creating value for the customer and improving efficiency & effectiveness of the organization
• Deep understanding of the strategic imperative
• Deep understanding of developments and future trends for strategic imperative
• Ability to collaborate and help the Team Lead
• Actively listens to others, understands and values others\' views
• Ability communicate opinions or views clearly

- Ability to engage with senior management

Benefits

Dental, Education support, Miscellaneous allowance, Medical, Loans, Sports (e.g. Gym), Parking, Vision, Regular hours, Mondays - Fridays, Casual Business Wear, Performance Based Rewards

RHB Bank