Job Description

DescriptionPrimary Objective:To conduct credit evaluation/assessment on credit applications from Corporate Banking, Investment Banking and Commercial Banking credit applications from Malaysia of Wholesale Credit 1 including regional offices to identify/mitigate credit risks by proposing appropriate recommendations and to ensure quality assets are booked.To jointly approved credit applications within his/her delegated discretionary authority limits.To ensure turnaround time in credit evaluation/assessment is observed.To manage renewal position of portfolio to ensure zero overdue reviews every quarter end e.g. Mar, Jun, Sep, Dec.
Key Responsibilities:Evaluation

• To conduct credit evaluation/assessment on credit applications from Corporate Banking, Investment Banking and Commercial Banking credit applications from Malaysia of Wholesale Credit 1 to identify/mitigate salient credit risks to ensure quality assets are booked.
• To identify pertinent credit risk issues of the credit proposals and propose the appropriate measures/actions plans to mitigate the risks identified to ensure credit quality stands up to approving authority\xe2\x80\x99s expectations.
• To approve credit applications within his/her delegated discretionary powers (\xe2\x80\x9cDP\xe2\x80\x9d).
• To provide the support to Lending Units by liaising/discussing with Lending Units in respect of all matters related to the credit proposal with the view of strengthening the structure/terms of the credit proposals.
• To ensure that the turnaround time in credit evaluation/assessment is observed to ensure efficiency in the approval process.
• Be conversant with key industry trends and highlight any adverse market information for management attention so that appropriate actions could be taken.
• To jointly conduct site visits with Lending Units for better evaluation of risk issues.
• To provide relief to other SCM/CM in his/her absence to minimize the disruption of process work flow.

Compliance

• To be conversant and keep abreast of the relevant policies, procedures, regulatory guidelines and framework to ensure compliance.

OthersUndertake any other functions as assigned by the Heads/Management to improve credit quality or enhance credit culture within the Banking group.RequirementsRequirements:
Bachelor Degree - Preferably with Degree.- Preferably Credit Skills Assessment (CSA)/ Certified Credit Professional (CCP/CCP-i)/ Omega Programme.Minimum 7 years\xe2\x80\x99 experience in Credit Evaluation of proposals on corporate loans/private debt securities. 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