Employer Background

One of the leading Foreign Bank from China

You will be rewarded with

Attractive salary package
Career development
Wide exposure

Job purpose

Provide an independent credit review services on the Bank's credit risk management to ensure that credit decision-making remains consistent with the financial institution's overall credit risk management
Provide post-mortem review services on the Bank's new large impaired loan within stipulated period to identify weaknesses in credit assessment at credit application and post-lending monitoring for improvements

Job Task
Team lead/ conducting independent credit review on approved corporate/ business and retail accounts to assess whether the credit decisions are in accordance with credit risk strategy, credit risk policy and relevant legal and regulatory requirements.
Assess quality of credit risk assessment and rigourness of credit approval processes, credit operations workflow/ process, the adequacy of scopes, effectiveness and timeliness of post-lending monitoring activities, the accuracy and timeliness of ratings assigned to counterparties and the appropriateness of credit classifications and provisioning levels to identify opportunities to improve credit assessment and credit operating performance, discuss with relevant stakeholders for improvement and recommend solutions to resolve problems where appropriate.
Conduct Post Mortem Review on newly impaired loan with exposures > RM5 million (if any) with the objectives to appraise the weaknesses in credit assessment at time of new credit application and post lending monitoring and assessment in subsequent credit review, determine the lessons learnt and recommendations for improvement.
To follow-up and monitor the status of rectification measures taken and carry out verifications on these completed rectification measures (including the supporting documents).
To table and present the results on the Independent Credit Review and Post Mortem Review on impaired loans to Senior Management, Board Risk Management Committee and Board Audit Committee as per BNM's Credit Risk Policy requirements.
To update the relevant Independent Credit Review guidelines, risk-based credit review programmes/ worksheets or other guidelines of the Department as assigned from time to time when necessary.

Qualified candidates will need to have below criterias
Obtained credit related professional certification such as AICB's Certified Credit Professional (CCP) or Profession Credit Certification (PCC)-Corporate Credit Specialist (CCS)
Good knowledge of credit assessment on credit application and post-lending credit review
Hands-on experience in credit audit/ credit relationship managers/approvers