Reported successfully

Responsible for ensuring that branches and relevant business units comply with credit risk policies and standard operating procedures, as well as ensuring compliance with credit-related regulatory directives and internal instructions. Additionally, the section is responsible for ensuring complete filing of lending documents and the completeness of security packages stored in branches. Therefore, this role requires a proficient professional with strong knowledge in developing and implementing best practices in credit risk management, lending documentation, collateral, and title deed documentation, especially in credit risk monitoring techniques and credit risk governance. The position requires skill sets in checking credit files at branches and facilitating continuous improvement initiatives to enhance the effectiveness of credit risk management practices and compliance in documentation and securing collateral.

•  To conduct quality control checks on branches and identify areas exposed to credit risk, e.g. to sample branches and plan quality control checks based on observations of delinquency trends in branch performance from the Core Banking System (CBS).
• To develop checklist which area to be focused according to the identified areas for improvement.
• To ensure timely verification of signed documentation compliance, including complete signatures on new and renewal lending documents. Additionally, to ensure loan files are complete, prepared, and devoid of any missing documentation, especially in cases of credit deterioration that may lead to court proceedings.
• To effectively review complete lending documentation and security packages of collateral. In case of internal or external audit discoveries, to provide aid to branches in resolving audit issues effectively for loan cases.
• Based on the trends and pattern analysis from the findings, recommendations to be provided for areas needing improvement, along with addressing the training required to fill the credit knowledge gap identified at branches.
• To identify the root causes of issues and challenges observed during branch visits, addressing both immediate and underlying factors to prevent the recurrence of problems and ensure continuous improvement in lending operational processes
• To efficiently aid branches in rectifying any discrepancies identified in credit files by either external or internal auditors.
• To effectively communicate and report to the relevant departments or stakeholders if there is any identified amendments are needed to be integrated into credit policies and standard operating procedures (SOP).
• And other ad-hoc assigned.

• Prefer candidate majoring in a degree of Economics and banking
• Must have at least five years of relevant work experience. Preference will be given to those with banking experience, particularly in lending, and current internal bank staff.
• Must be proficient in using Core Banking Systems, Microsoft Excel, Word, Outlook, and PowerPoint
• Capable of completing assigned tasks within specified deadlines and demonstrate proficiency in problem-solving, negotiation, and persuasion skills.
• Capable of analyzing and evaluating loan-related data and should be familiar with verifying loan documents.
• Collaborate effectively with various business units within the bank, internal units, partnered related parties and organizations, branch officers, and staff. They should also have strong interpersonal skills and the ability to work well with both team members and external entities.