The role holder is assigned to manage the designated team and collaborate with the Relationship and Credit Management Team to handle credit underwriting, monitoring, and control works. Job holder is also responsible to review the team performance compared with the agreed KPI and discuss such results with the Business Unit Head for revision and/or improvement from time to time.

• The person must display in-depth credit knowledge, skills, and experience with balanced and independent credit judgment to support corporate businesses in achieving their designed business targets with good credit quality for both existing customers and newly acquired customers. Conducts sales efforts commensurate with market opportunity to generate new clients, while maintaining and expanding existing profitable client relationships
• The person must display good people management skills.
• To make balanced credit decisions and guide and coach junior underwriters and RMs to underwrite credit proposals (make credit recommendations) for higher credit approval authorities.
• To manage responsible credit works for designated clients with acceptable underwriting work quality and efficiency including individual turnaround time and cost-effectiveness
• To balance risk/return, credit quality, and productivity to achieve the Business Unit's designated targets for good quality loan portfolio, effective credit and const control, turnaround times, and customer service.
• To help the team maintain the quality of existing and new customer credit bookings through proactive and regular monitoring (early warning and NPL prevention exercise).
• To understand laws, regulations, credit governance, policies, group business strategies, management initiatives, and credit approval process to ensure compliance with internal/external policies and regulations to provide timely and good decision-making.
• To develop, and maintain assigned credit underwriting guidelines and/or supplementary credit policies or other credit-related works such as product development, credit approval process, standard covenants, etc. to be in line with the bank's business and credit strategy and underwriting standard and practice.
• To involve related other projects as assigned by the Business Unit Head.

• Possess a Post Graduate Degree/ Diploma or Professional Degree in Business Management or equivalent from a reputable institution.
• Minimum 10 years of experience in banking, and a large Financial Institution.
• Excellent in Microsoft Word, Excel and PowerPoint.
• Proven ‘business management’ and Credit experience. Sound analytical skills and ability to interpret Credit Analyst.
• Able to work collaboratively at all levels.