Manager, Credit Evaluation & Decisioning

AmBank Group; Kuala Lumpur; On-site; MYR 120,000 - 180,000; Full time

Job summary

AmBank Group is seeking a Manager, Credit Evaluation & Decisioning in Malaysia. The role focuses on assessing credit applications, identifying risks, and making recommendations for approval.

You will manage underwriting standards, apply grading within limits, ensure policy compliance, and work with Sales to expedite decisions. Ideal candidates hold a Bachelor’s in Finance/Accounting/Economics, CCP qualification preferred, and have 8+ years in banking with SME/Commercial credit experience.

Qualifications

• Bachelor’s degree or professional qualification in finance or accounting.
• CCP qualification preferred or equivalent.
• Minimum 8 years in banking with at least 5 years in SME/Commercial credit.

Responsibilities

• Assess credit applications and identify risks.
• Maintain underwriting standards and quality.
• Apply the credit program grading within limits.
• Ensure compliance with policies and guidelines.
• Highlight needed policy improvements to leadership.
• Conduct joint calls with Sales as needed.
• Ensure timely completion of credit assessments.

Skills

Credit assessment

Risk evaluation

Lending practices

Decisioning process

Education

Bachelor’s Degree in Finance/Accounting/Economics

CPA/ACCA/CIMA or CCP (preferred)

Job description

Manager, Credit Evaluation & Decisioning

Primarily responsible for assessment of all credit applications, identifying risks associated with such exposure and making appropriate recommendations to the relevant AA for approval.

Key responsibilities

Manage Credit Underwriting standards and quality

Apply the Credit Program grading within allowable limits

Ensure compliance of credit policies and guidelines

Highlight to Team Lead / Senior Underwriter any need to improve credit policies and guidelines

Conduct joint calls with Sales where necessary

Report progress to Team Lead / Senior Underwriter

Ensure timely completion of credit assessment with agreed turnaround time

Assure credit underwriting quality and compliance of policies and guidelines

Ensure fast credit decision to support loans growth

About you

Bachelor's Degree in Finance, Accounting, Economics, or a related discipline, or a recognised professional qualification such as CPA, ACCA, or CIMA

Certified Credit Professional (CCP) qualification or an equivalent certification is preferred

Minimum 8 years of working experience in the banking industry

At least 5 years of hands‑on credit experience, particularly in SME and/or Commercial Lending segments, or equivalent exposure

Strong understanding of credit assessment, risk evaluation, and lending practices within the banking sector

Since our founding in August 1975, AmBank Group has grown into one of Malaysia’s largest banking groups by market capitalization. Our dynamic ecosystem includes:

At AmBank Group, we believe that diversity fuels innovation, and creativity drives progress. Our P2ACE Employee Value Proposition- Principled, Proactive, Appreciative, Collaborative, and Experimental is the heartbeat of our culture. It shapes how we work, how we grow, and how we make a difference.

We’re on the lookout for motivated, agile, and ambitious individuals who are ready to challenge the norm and shape the future of banking.

Join us. Fly High Together with us

Since our founding in August 1975, AmBank Group has grown into one of Malaysia’s largest banking groups by market capitalization. Our dynamic ecosystem includes:

At AmBank Group, we believe that diversity fuels innovation, and creativity drives progress. Our P2ACE Employee Value Proposition- Principled, Proactive, Appreciative, Collaborative, and Experimental is the heartbeat of our culture. It shapes how we work, how we grow, and how we make a difference.

We’re on the lookout for motivated, agile, and ambitious individuals who are ready to challenge the norm and shape the future of banking.