Credit Manager / Approver, SME Credit

Alliance Bank Malaysia Berhad; Kuala Lumpur; On-site; MYR 120,000 - 160,000; Full time

Job summary

Alliance Bank Malaysia Berhad is seeking a Credit Manager to ensure compliance with underwriting standards and to assist in credit decision making. The role emphasizes risk identification, control implementation, and timely credit processing to safeguard the bank's interests.

The ideal candidate has at least 5 years in retail or business banking risk management, with a diploma or professional qualification in Banking/Finance.

Qualifications

• Minimum 5 years of experience in retail/business banking risk management.
• Diploma or professional qualification in Banking/Finance preferred.
• Good understanding of IT/system capabilities and administration.

Responsibilities

• Ensure credit applications comply with underwriting standards, processes and policies.
• Assist in credit decision making and identify risk issues with controls.
• Support timely credit turnaround and validation, evaluation and approval processes.
• Establish and implement a robust fraud detection/prevention framework to minimize losses.
• Collaborate with Team Lead to optimize resource use and drive cost management.

Skills

Credit risk management

Leadership

Interpersonal skills

Regulatory knowledge

Lending principles

Education

Diploma/Professional qualification in Banking/Finance

Tools

Banking software

Job description

Ensure Credit Application submitted are in compliance within the credit underwriting standard, process and policies and recommend for approval.

Assist in credit decision making and early identification of risk issues and building of appropriate controls / pre-emptive measures to ensure quality loans bookings to safeguard the Bank's interest to contain credit provision / losses and support business growth.

Assist in credit validation, evaluation and approval process with continuous fine-tuning of process and performance monitoring to improve credit turnaround time.

Assist in credit review process with continuous fine-tuning of process to identify weak credits for proactive remedial actions.

Establish and implement a robust fraud detection / prevention framework to minimise fraud losses.

Assist Team Lead to ensure optimum resource utilisation with continuous process improvement / re-engineering initiatives for effective costs management, talent development and retention.

Ensure Bank and regulatory policies and guidelines are being implemented and adhered to at all time.

Job Requirements:

At least 5 years of related working experience & exposure in retail / business banking risk management in the financial services sector with adequate knowledge in lending principles and credit / risk management.

Tertiary / diploma / professional qualification preferable in Banking / Finance.

General experience in administration and good understanding of IT / System capabilities.

Good credit assessment skills for credit account strategy planning and implementation.

Good leadership and management skills to deal with and manage a team of credit personnel.

Good interpersonal relation and ability to establish good working relationship / interaction with all levels of management within the Bank.

Adequate knowledge of local affairs and market conditions, including risk and opportunities of the key industry sector and local banking regulations / practices.

Good knowledge of products, operations, policies and finance practices.

Adequate knowledge of Companies Laws.

Alliance Bank Malaysia Berhad and its subsidiary, Alliance Islamic Bank Berhad, offers banking and financial solutions through its consumer, SME, corporate, commercial and Islamic banking. The Bank provides easy access to its broad base of customers throughout the country via multi-pronged delivery channels that include retail branches, Privilege Banking Centres, Business Centres, Investment Bank branches, and mobile and Internet banking.

About Alliance Bank Malaysia Berhad

Alliance Bank Malaysia Berhad and its subsidiary, Alliance Islamic Bank Berhad, offers banking and financial solutions through its consumer, SME, corporate, commercial and Islamic banking. The Bank provides easy access to its broad base of customers throughout the country via multi-pronged delivery channels that include retail branches, Privilege Banking Centres, Business Centres, Investment Bank branches, and mobile and Internet banking.

Your application will include the following questions:

• What's your expected monthly basic salary?
• How many years' experience do you have as a Credit Manager?
• Do you have experience working in a business banking environment?