Manager, Wholesale Credit (Credit Evaluation)

Hong Leong Bank; Malaysia; On-site; MYR 180,000 - 300,000; Full time

Job summary

Hong Leong Bank is seeking a Credit Evaluation Manager to oversee credit risk across its corporate and commercial loan portfolio. You will lead and coach credit and marketing personnel, maintain strong governance, and balance risk with reward while ensuring efficient delivery.

You will evaluate ESG considerations during onboarding and annual reviews, review credit applications, and guide business units to improve underwriting quality.

Qualifications

• Degree holder in Accounting/Finance/Economics, 4+ years of relevant credit and marketing skills supported by experienced business acumen.
• CCP Accredited credential is required or preferred.

Responsibilities

• Evaluate and approve credit within discretionary powers and SLA.
• Oversee banks’ credit policies, procedures, and controls across credit risks.
• Manage credit risks to minimize deterioration to impaired High risk and IL.
• Review accuracy of mandate input fields in credit applications.
• Provide guidance to business units to improve credit quality and underwriting skills.
• Evaluate ESG assessments during onboarding and annual reviews; approve ESG ratings.

Skills

Credit risk management

Leadership

Credit analysis

CCP Accredited

Education

Degree in Accounting/Finance/Economics

CCP Accredited

Job description

Overview

If you are looking to excel and make a difference, take a closer look at us… The Credit Evaluation Manager is responsible for the credit risk management of the corporate and commercial loans portfolio. The successful candidate will also be leading and coaching credit and marketing personnel, to build a strong credit culture while balancing risk reward with a high degree of corporate governance and ensuring efficient delivery. This role will report to the Head, Wholesale Credit (Credit Evaluation Department)

Responsibilities

• The Credit Evaluation Manager holds responsibility for credit risk-taking in their portfolio / region, including Evaluating and approving of credit within discretionary powers and within SLA
• Exercising general oversight over banks’ credit policies (local and overseas), procedures and controls extending to all of its credit risks including those arising (without limitation) from corporate banking, treasury, credit cards, personal banking, trade finance, securities processing and financial institutions
• Managing credit risks to ensure minimal deterioration of credit to impaired High risk and IL
• Reviewing accuracy of all mandate input field (i.e. CRR, Security, Facility Details and SIC codes) in Credit application
• Providing guidance to business unit to improve credit quality/underwriting skills on the job & structured training to facilitate speedier credit assessment
• Additionally, the Credit Evaluation Manager will evaluate ESG assessments during the customer on-boarding process and annual reviews
• This includes Reviewing / Approving the final ESG rating assigned by ARMs
• Approving customer’s eligibility for better financing packages

Skills & Experience We Are Looking For:

Education/Qualification Degree holder in Accounting/Finance/Economics 4 years and above of relevant credit and marketing skills supported by experienced business acumen CCP Accredited

About Hong Leong Bank

We are a leading financial institution in Malaysia backed by a century of entrepreneurial heritage. Providing comprehensive financial services guided by a Digital-at-the-Core ethos has earned us industry recognition and accolades for our innovative approach in making banking simpler and more effortless for our customers. Our digital and physical offerings span across a vast nationwide network in Malaysia, strengthened with an expanding regional presence in Singapore, Hong Kong, Vietnam, Cambodia, and China. We seek to strike a balance between diversity, inclusion and merit to achieve our mission of infusing diversity in thinking and skillsets into our organisation. Candidates are assessed based on merit and potential, in line with our mission to attract and recruit the best talent available. Expanding on our “Digital at the Core” ethos, we are progressively digitising the employee journey and experience to provide a strong foundation for our people to drive life-long learning, achieve their career aspirations and grow talent from within our organisation. Hong Leong Bank (“HLB”) stands proudly as a leading financial services institution based in Malaysia, providing a wide range of comprehensive and innovative financial solutions across the region. These services are delivered through both digital and traditional means, via online and mobile banking, as well as our digital branch concept to provide customers with an efficient and seamless experience aided by technology. As the service and financial landscape changes rapidly with the ever-increasing use of technology, staying attuned to customers needs and desires becomes even more critical to HLB’s operations. To stay ahead of these dynamic changes, the Bank has adopted the approach of reimagining banking by embedding digital considerations and customer centricity in every aspect of our operations, from products and services as well as customer care and engagement. HLB’s ethos of being Digital-At-The-Core powered by customers-at-the-forefront will continue to lead us to innovate offerings in line with our aspiration of being a highly digital and innovative financial services organization.