Assistant Manager, Credit Surveillance

Affin Bank Berhad; Kuala Lumpur; On-site; MYR 80,000 - 180,000; Full time

Job summary

Affin Bank Berhad in Kuala Lumpur is seeking a credit risk analyst to prepare, review, and monitor the credit risk profile and emerging issues for the Affin Bank Group, delivering insights to the GMC, GMCC, GBRMC, GCRC and the Board where relevant. You will oversee overdue reviews, enhance risk surveillance reports, and coordinate with panel valuers while supporting the Group Chief Risk Officer.

A degree in Finance/Business/Actuarial and 3 years banking risk experience are expected; familiarity

Qualifications

• Degree in business/finance/stats/arts with quantitative focus.
• Minimum 3 years in banking risk management or similar.
• Certification such as CCP/CCE is advantageous.
• Familiarity with analytics tools for data extraction and reporting.
• Ability to interact with various levels of stakeholders.

Responsibilities

• Prepare, review, analyse, monitor and report the credit risk profile and emerging risk issues / risk trends of Affin Bank Group (ABG).
• Identify key risk issues and credit exposures and provide insights and risk assessments to relevant Committees.
• Monitor overdue annual credit reviews and highlight concerns to the GMCC.
• Develop and enhance credit risk surveillance reports for timely risk identification and reporting.
• Monitor loan/financing portfolio and asset quality; identify deterioration trends and actions.
• Oversee panel valuers performance and empanelment processes.
• Assist, manage and facilitate Group Credit Resolution Committee meetings.
• Perform other ad-hoc tasks as assigned by superiors.

Skills

Analytical skills

Self-starter

Pressure handling

Numerical proficiency

Stakeholder communication

Education

Bachelor's degree in Finance/Business/Statistics/Accounting

CCP/CCE or relevant certification

Tools

SAS

SQL

Power BI

Python

R

Job description

Create the future with Affin! You too can make a difference. We continuously innovate to transform our financial services landscape - making banking better and easier. Join us at AFFIN, where the open minds meet and be inspired by a shared commitment to great work. You too can make a difference.

JOB RESPONSIBILITIES

• Prepare, review, analyse, monitor and report the credit risk profile and emerging risk issues / risk trends of Affin Bank Group (ABG).
• Identify key risk issues and credit exposures and provide meaningful insights and risk assessments to relevant Committees e.g. Group Management Committee (GMC), Group Management Credit Committee (GMCC), Group Board Risk Management Committee (GBRMC), Group Early Alert Committee and Board of Directors, where relevant.
• Monitor and report the status of overdue annual credit reviews across ABG, highlighting key concerns to the GMCC for deliberation and appropriate action, where relevant.
• Continuously assess, develop, and enhance credit risk surveillance reports to improve effectiveness in identifying, monitoring, and reporting credit risk issues to the respective Committees on a timely basis.
• On-going monitoring and analysis of loan/financing portfolio, investment assets and overall asset quality; Proactively identify emerging risk concerns and material deterioration trends, and highlight issues requiring management attention or corrective actions.
• Monitor the service standard of the Bank's panel valuers to meet the Bank's business requirements; maintain an up to date records of the Bank's panel valuers accessible through the Bank's intranet; manage the distribution of work to the valuers at an acceptable level, conduct holistic review on panel valuers annually and assess applications for empanelment of new valuers.
• Assist, manage and facilitate the Group Credit Resolution Committee (GCRC) meeting.
• Perform other Ad-Hoc tasks as may be assigned by the immediate superior, the Head of Group Credit Risk Management or the Group Chief Risk Officer (GCRO).

JOB REQUIREMENTS

• Degree in Business Studies, Finance, Statistics, Accounting, Actuarial Science or related discipline.
• Preferably minimum 3 years of working experience in banking and risk management.
• Professional credit certification such as CCP/ CCE or any relevant certification is an added advantage.
• Basic exposure to banking and risk management environments.
• Familiarity in SAS or other analytics tools (e.g., SQL, Power BI, Python, R) for data extraction, analysis, and reporting.
• Strong analytical skills and a self-starter attitude.
• Inclination towards working with numbers and the ability to perform basic analyses.
• Basic understanding of credit policies and procedures, with a willingness to learn more.
• Ability to work under pressure to meet deadlines.
• Ability to interact with various levels of people

People are the heart of AFFIN BANK. We have a positive and supportive environment where we celebrate people's personal growth and encourage them to be the best versions of themselves, both in the workplace and in their community. Join AFFIN as we evolve to become a financial institution of the future, embracing innovation and technology to deliver unrivaled customer service. We're looking for colleagues who share our values and are ready to live them every day. Explore the exciting opportunities and make a real impact on the future of finance. Come be a part of our journey today!

Always About You

At AFFIN, we strive to always connect and engage with our customers, to understand their changing needs and aspirations better. It represents our passion and commitment to the community we operate in, enabling us to quickly respond to changes and provide a personalised experience. At AFFIN, our people are aligned to our values of customer centricity, creativity and value creation. Our tagline "Always about you", was crafted to drive loyalty and build our reputation as a creative and innovative financial organisation. Our people are at the heart of what we do and remain the focus of our customer centric culture. It's about the initiatives we take in understanding and prioritising our stakeholders; our customers, employees and shareholders. As we venture through this metamorphosis journey, we are aware of their ever-changing needs and are embracing the new ways of this digital dimension. We put our hearts and minds into everything we do, to ensure that everyone we touch, receives unrivalled customer service.