Job Description

DescriptionPrimary Objective:Evaluate Business Banking\xe2\x80\x99s Commercial and CBBC credit applications and ensure only quality assets are booked.Make credit decisions to either recommend or decline credit applications with supporting reasons for decision taken. Jointly approved credit applications within his/her delegated discretionary authority limits and 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.
Key Responsibilities:Evaluation

• Independently appraise and evaluate credit applications from Business Banking 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).
• 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

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

TrainingConduct visits to Commercial Banking Business Centers to bridge the expectation gap between the relationship managers and approving authorities.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