Head, Financing Credit Administration & Disbursement (Non Retail)

Affin Bank Berhad; Kuala Lumpur; On-site; MYR 180,000 - 320,000; Full time

Job summary

Affin Bank Berhad seeks an experienced banking professional to lead end‑to‑end administration and disbursement of non-retail facilities across Corporate and Enterprise Banking. You will manage pre- and post‑disbursement activities, ensuring compliance with credit terms and governance standards, while driving process improvements and digitalisation.

The role emphasizes managing collateral, security documentation, and regulatory compliance, with a focus on timely service delivery and

Qualifications

• Requires Bachelor’s degree or professional qualification in finance, banking, accounting, business or law.
• Significant experience in Corporate/Business Financing Credit Administration and disbursement.
• Ability to manage large teams and multi‑functional operational activities.

Responsibilities

• Set up and maintain customer facility records, limits, and approvals in the banking system.
• Prepare facility agreements, letters of offer and security documents with internal/external counsel.
• Verify security ownership, perfection, valuations, and registration of charges and guarantees.
• Monitor conditions precedent and ensure timely disbursement to approved parties.
• Track covenants, reviews, and insurance/valuation of collateral.
• Administer syndicated/club facilities and reporting to lenders.

Skills

Credit administration

Leadership

Process improvement

Regulatory knowledge

Education

Bachelor’s Degree or professional qualification in Finance/Banking/Accounting/Business/Law

Job description

JOB PURPOSE

Lead and oversee the end-to-end administration and disbursement of Non-Retail financing facilities, ensuring compliance with approved credit terms, regulatory requirements, legal documentation, and governance standards. Responsible for supporting financing portfolios across Corporate Banking and Enterprise Banking, managing pre- and post-disbursement activities, ensuring timely service delivery, and driving operational excellence, standardisation, digitalisation, and continuous process improvement.

JOB ACCOUNTABILITIES

• 1. Facility and Limit Setup Create and maintain customer facility records in the banking system. Set up approved limits, sublimits, expiry dates, utilisation controls, and availability periods. Ensure system records are consistent with approval terms and executed documents. Process approved amendments, cancellations, reductions, and renewals. Prevent utilisation of expired, unapproved, or incorrectly established facilities.
• 2. Documentation Management Prepare or coordinate facility agreements, letters of offer and security documents. Liaise with internal legal counsel, external solicitors, relationship managers, and customers. Review executed documents for completeness, validity, and enforceability. Confirm that documents are properly signed, witnessed, stamped, and registered. Safeguard original legal and security documents. Maintain a complete document register and retrieval process.
• 3. Security and Collateral Administration Verify ownership and legal capacity of security providers. Ensure that charges, assignments, guarantees, debentures, mortgages and other securities are properly perfected. Record collateral values, ranking, coverage, and registration details. Monitor insurance policies, valuations, title searches, and security expiry dates. Track collateral substitutions, releases, partial discharges, and further charges. Ensure security releases are made only after the relevant facilities and obligations have been fully settled or properly approved.
• 4. Conditions Precedent and Disbursement Control Verify compliance with all conditions precedent before first or subsequent disbursement. Confirm that required equity contributions, approvals, permits, contracts and supporting documents are in place. Validate the purpose and amount of each drawdown. Review invoices, certificates, redemption statements and payment instructions where applicable. Ensure that disbursements are made directly to approved parties where required. Obtain independent confirmation of satisfaction of conditions before releasing funds. Escalate exceptions and obtain proper approval before any waiver or deviation.
• 5. Ongoing Covenant and Condition Monitoring Track financial, operational and information covenants. Monitor submission of audited accounts, management accounts, compliance certificates, and other required information. Track conditions subsequent and outstanding documentation. Monitor facility availability periods, maturity dates and annual / interim review dates. Notify relationship managers of upcoming deadlines and breaches. Escalate unresolved breaches, expired facilities, and overdue reviews.
• 6. Insurance and Valuation Monitoring Ensure that secured assets are adequately insured. Confirm the bank is named as loss payee or charge holder where required. Monitor policy expiry dates, premium payments, and adequacy of coverage. Arrange or track periodic collateral valuations. Escalate significant declines in collateral value or lapses in insurance coverage.
• 7. Agency and Syndicated Loan Administration Administer syndicated and club facilities where the bank acts as agent. Coordinate drawdowns, repayments, interest periods, and lender notices. Maintain lender participation records. Distribute principal, interest, fees and relevant information to participating banks. Track voting requirements, amendments, waivers, and consent decisions. Ensure compliance with the facility agreement and agency obligations.
• 8. Repayment and Facility Maintenance Monitor scheduled principal, interest, and fee payments. Process rollovers, extensions, conversions, and repayments. Reconcile facility balances and utilisation records. Track outstanding amounts, excesses, and unauthorised drawings. Coordinate facility closure after full settlement.
• 9. Exception and Breach Management Maintain registers of documentation deficiencies, covenant breaches and approval exceptions. Track temporary waivers and their expiry dates. Escalate material or long outstanding exceptions to management. Prevent repeated operational exceptions from becoming accepted practice. Provide periodic exception reports to Credit, Risk, Business, and relevant committees.
• 10. Problem Account Support Provide complete documentation and security records for watchlist, impaired or recovery accounts. Assist in confirming outstanding exposure and security positions. Support restructuring, rescheduling, enforcement, and recovery actions. Suspend or restrict further utilisation when instructed by authorised parties. Coordinate documentation for revised or remedial facilities.
• 11. Regulatory and Policy Compliance Ensure compliance with applicable banking laws, regulatory requirements, and internal credit policies. Support requirements relating to customer identification, sanctions, anti-money laundering and beneficial ownership where relevant to credit administration. Maintain complete audit trails and records. Support regulatory reporting, internal audit and external audit reviews. Implement corrective actions arising from audit and regulatory findings.
• 12. Management Information and Reporting Produce reports on expiring facilities, overdue reviews, outstanding documents and covenant breaches. Report collateral shortfalls, insurance lapses, excesses, and unauthorised utilisation. Monitor turnaround times for documentation, limit setup, and disbursement. Provide portfolio administration data to Credit Risk, Finance, and senior management. Analyse recurring operational issues and recommend process improvements.

JOB REQUIREMENTS

• At least a Bachelor’s Degree or recognised professional qualification in Finance, Banking, Accounting, Business, Law or related discipline.
• Minimum 15 years’ relevant banking experience, preferably including at least 5 years in a managerial/leadership capacity.
• Significant experience in Corporate/Business Financing Credit Administration, financing documentation, securities, credit operations and disbursement.
• Strong experience in managing complex and/or high-value Non-Retail financing transactions.
• Strong understanding of banking and legal procedures, BNM requirements, FSA/IFSA and other relevant regulatory requirements.
• Proven experience managing sizeable teams and multiple operational activities.
• Experience in process re‑engineering, Lean/continuous improvement, digitalisation or operational transformation would be advantageous.

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.