Manager - Wholesale Credit (Early Care)

Hong Leong Bank; Kuala Lumpur; On-site; MYR 60,000 - 90,000; Full time

Job summary

Hong Leong Bank is seeking a dedicated professional to focus on early identification of deteriorating loan assets and to minimize potential impairment. The role collaborates with Business & Corporate Banking to set effective strategies and reports to the Head of Group Special Assets.

The candidate will perform credit evaluation of Watch List and High Risk accounts, monitor downgrades, and provide guidance to BC on credit concerns, aiming to safeguard bank assets and ensure timely reporting to

Qualifications

• Malaysian citizen.
• Degree holder in Business, Accounting, Banking & Finance or equivalent.
• 3–5 years related working experience.
• Able to work independently and in a team.
• Self-motivated with strong work ethic.

Responsibilities

• Credit evaluation of WL and HR accounts; identify concerns; recommend actions.
• Assess trigger hits to downgrade accounts to WL/HR.
• Manage WL/HR with BC; monitor payments and compliance; provide status updates.
• Assist BC in dealing with credit concerns; vet R&R Letter of Offer; follow through on legal docs.
• Provide Early Alerts to BC & CED via Pre-IL reports; monitor daily PDBs and downgrades.
• Prepare/update status reports for SAC Meetings, Mgmt, BNM, auditors, CGC, SJPP.
• Update status for new inflows into WL/HR.

Skills

Credit evaluation

WL/HR account management

Payments monitoring

Reporting accuracy

Stakeholder coordination

Education

Degree in Business, Accounting, Banking & Finance or equivalent

Job description

If you are looking to excel and make a difference, take a closer look at us…

Overview The role will be responsible in the early identification of deteriorating loan/financing/asset to prevent inflow into impairment and if impairment is unavoidable, Early Care is to work towards minimizing the losses to the Bank via setting an effective strategy together with the Business & Corporate Banking (“BCB”). This role will be reporting to the Head, Group Special Assets.

Key Responsibilities

• Credit evaluation of Watch List (“WL”) and High Risk (“HR”) accounts, identify area of concerns, recommend appropriate actions/strategies to address the risk factors and conducting site-visit together with BC when necessary.
• Conduct assessment of trigger hits on judgmental/obligatory triggers to determine whether accounts should be downgraded to WL/HR.
• Manage WL/HR accounts jointly with BC, monitor payments & compliance to terms and conditions, provide status update to Mgmt/BNM/auditors/CGC/SJPP, etc.
• Provide assistance/guidance to BC in dealing with accounts with credit concerns e.g. managing customers, identifying area of concerns, vetting R&R Letter of Offer, follow-through on completion of any legal documentation and other queries raised by BCs, etc.
• Provide Early Alerts to BC & CED via Pre-IL report and monitoring of daily PDBs, expired CAs > 12 mths report, rating downgrade, adverse news on Borrower etc for early detection of any adverse signs or red flags indicating deterioration in existing account quality to prevent inflow into impairment.
• Reporting responsibilities includes:
• Ensure data accuracy for all reports on WL /HR accounts.
• Prepare/update status report of WL & HR accounts for SAC Meetings/Mgmt/BNM/auditors/CGC/SJPP.
• Update status for new inflows into WL/HR.

Jobholder Requirements

• Malaysian citizen.
• Degree holder in Business, Accounting, Banking & Finance or equivalent.
• Minimum 3-5 years related working experience.
• Able to work both independently as well as part of a team.
• Self-motivated, take pride in one’s work and committed with a strong work ethic.

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.