Job Description

DescriptionPrimary Objective:Safeguard quality of the Group\xe2\x80\x99s loan assets to prevent financial losses/impairment as well as improve P&L through proactive management of high-risk/distressed accounts identified as Watchlist under Enhanced Account Management (EAM) strategy.Jointly approve EAM credit applications and recommend credit applications for higher level approving authorities.
Primary Objective:To conduct credit evaluation / assessments on credit applications from Regional Offices and identify / mitigate credit risk by proposing appropriate recommendations and ensure only quality assets are booked.Make credit decisions to either recommend or decline credit applications with supporting reasons for decision taken. Jointly approve credit applications within his/her delegated discretionary authority limits, where applicable or recommend those beyond for higher level approving authorities.Manage renewal position of portfolio to ensure zero overdue reviews every quarter end e.g. Mar, Jun, Sep, Dec.Part of the Roving Team for credit underwriting at regional officesEvaluation

• Independently appraise and evaluate credit applications from Regional Offices and ensure that only quality assets are booked.
• Screen customer background, track records and behavior patterns to ensure credit quality stands up to approving authority\xe2\x80\x99s expectations.
• Be conversant with key industry trends and highlight any adverse market information for management attention.
• Improve customer service satisfaction through joint customer visits with lending units for better evaluation of risk issue.

Approval within Discretionary Power

• Approve credit applications within his/her delegated discretionary powers (DP), where applicable.
• 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 SCMs/CMs in his/her absence and work jointly with SCMs/CMs to ensure service standards on Turnaround Time for credit application processing are consistently met.
• 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

• To ensure compliance and conversant with the relevant policies, procedures, regulatory requirements and framework (covers Malaysia and Countries in the Regional Offices).

Training

• Conduct visits to Regional Office to bridge the expectation gap between the ARMs and approving authorities.

OthersUndertake any other functions as assigned by the Heads/Management to improve credit quality or enhance credit culture within the Banking group. Eg Thematic Review on site focusing on emerging risk.Evaluation

• Independently appraise and evaluate credit applications from Regional Offices and ensure that only quality assets are booked.
• Screen customer background, track records and behavior patterns to ensure credit quality stands up to approving authority\xe2\x80\x99s expectations.
• Be conversant with key industry trends and highlight any adverse market information for management attention.
• Improve customer service satisfaction through joint customer visits with lending units for better evaluation of risk issue.

Approval within Discretionary Power

• Approve credit applications within his/her delegated discretionary powers (DP), where applicable.
• 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 SCMs/CMs in his/her absence and work jointly with SCMs/CMs to ensure service standards on Turnaround Time for credit application processing are consistently met.
• 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

• To ensure compliance and conversant with the relevant policies, procedures, regulatory requirements and framework (covers Malaysia and Countries in the Regional Offices).

Training

• Conduct visits to Regional Office to bridge the expectation gap between the ARMs and approving authorities.

OthersUndertake any other functions as assigned by the Heads/Management to improve credit quality or enhance credit culture within the Banking group. Eg Thematic Review on site focusing on emerging risk.
Key Responsibilities:Evaluation

• Independently appraise and evaluate credit applications from Regional Offices and ensure that only quality assets are booked.
• Screen customer background, track records and behavior patterns to ensure credit quality stands up to approving authority\xe2\x80\x99s expectations.
• Be conversant with key industry trends and highlight any adverse market information for management attention.
• Improve customer service satisfaction through joint customer visits with lending units for better evaluation of risk issue.

Approval within Discretionary Power

• Approve credit applications within his/her delegated discretionary powers (DP), where applicable.
• 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 SCMs/CMs in his/her absence and work jointly with SCMs/CMs to ensure service standards on Turnaround Time for credit application processing are consistently met.
• 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

• To ensure compliance and conversant with the relevant policies, procedures, regulatory requirements and framework (covers Malaysia and Countries in the Regional Offices).

Training

• Conduct visits to Regional Office to bridge the expectation gap between the ARMs and approving authorities.

Others

• Undertake any other functions as assigned by the Heads/Management to improve credit quality or enhance credit culture within the Banking group. Eg Thematic Review on site focusing on emerging risk.

RequirementsRequirements:
Bachelor Degree - Preferably with Degree or Diploma..- Preferably Credit Skills Assessment (CSA)/ Certified Credit Professional (CCP/CCP-i)/ Omega Programme.Minimum 5 years banking experience with 5 years in Credit Evaluation as a credit analyst. Sound knowledge of credit risks (Risk Financial Ratio Analysis).

• Microsoft Office
• Good Interpersonal, Communication, Analysis and Writing skills
• Good business and credit sense

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

RHB Bank