Credit Analyst, Credit Evaluation & Review Department - Urgent Hiring

Job Purpose:

Evaluate and recommend credit proposals from originators via independent credit risk assessment (ICRA) report within stipulated time frame in order for approving authorities to make effective decision making within the Bank's developmental role.

Principal Accountabilities:

1. Independently assess credit proposals raised by originators based on Region:

• To independently appraise and evaluate commercial and corporate credit proposals under approving authorities of Head, Credit Approval (HCA) and Chief Credit Officer (CCO) until up to RM10.0 million in aggregate from the respective region.
• Identifying all pertinent credit risk issues of the credit proposals and propose correct mitigation/action plan.
• To issue queries on credit proposals using Query Template (QT).
• To identify any adverse signs or red flags indicating deterioration in quality of existing accounts based on trigger checklist and recommending appropriate remedial action.
• To ensure service standard on turnaround time for all ICRA produced are consistently met and within the acceptable credit standards.

2.Responsible to ensure credit quality is within the Bank's risk appetite.

• To ensure accuracies, completeness and to highlight any lapses on the credit proposals by conducting Credit Quality Rating (CQRA).
• Monitor and report on status of credit proposals under review on timely basis.
• Maintaining gross delinquent financing ratio not more than 2% (recommended for approval) for financing disbursed within 12 months.
• Maintaining gross impaired financing ratio not more than 2% (recommended for approval) for financing disbursed within 12 months.
• Ensure quality of independent risk assessment at above 70% thresholds as per Quality Assessment Template (QAT).
• To make recommendation for all types of credit proposals to either approve, decline, or defer the credit proposal to the approving authorities within the Bank's risk appetite.
• To monitor approved accounts on quarterly basis.

3.Ensure credit proposals are within the Bank's mandated and developmental role.

• To ensure all credit proposals are in accordance with the Bank's credit risk strategy, credit risk policy, procedures and guidelines as well as relevant legal and regulatory requirement.
• To ensure policy issues regarding CP, PEP, Sectorial Limit (AESL) a Large Financing are adequately addressed by the Business Unit.
• To attend in house and external training especially credit related training and at least to obtain professional credit certification.
• To participate in credit training, weekly MCC meeting (HQ), adhoc credit activities and other duties assigned by Section Head/Department Head.
• To provide advisory role to originators to improve credit quality and risk assessment.

Requirements:

• Possess Bachelor Degree in Finance/Business Administration/Accounting or Economics or related discipline.
• Certified Credit Professional qualification or equivalent will be an added advantage.
• Have at least 5 years of working experience in credit origination and/or credit evaluation functions in corporate and commercial financing.
• Must have good literacy on MS Office especially Excel, Word and Power Point and Credit Reference (CCRIS/CTOS/CBM)/Credit Risk Rating (CRR) System for Scoring application.
• Possess strong skillset in credit risk assessment, financial analysis, cashflow projection and identification of risks in respect of customer, financing structures & sectors/industries.
• Good analytical skills with inclination with numbers and able to articulate well with strong credit writing skills/value added comments.
• Proficient in written/spoken English language will be an added advantage.
• Self-motivated with the ability to work independently as well as in team and able to work under pressure to deliver results.
• Must have sound knowledge of credit products, credit policy & procedures and regulatory requirements.