Manager - Wholesale Credit (Early Care)

Hong Leong Bank Berhad; Kuala Lumpur; Presencial; MYR 90 000 - 150 000; Tempo integral

Resumo da oferta

Hong Leong Bank Berhad is seeking a Finance professional to identify deteriorating loan/financing/asset situations early, prevent impairment, and minimize losses through strategic actions with the Business & Corporate Banking team. Reporting to the Head of Group Special Assets.

The role focuses on credit evaluation of WL/HR accounts, trigger assessments, and proactive monitoring, with responsibilities including data accuracy and status updates for management and auditors.

Qualificações

• Credit evaluation of WL/HR accounts and risk assessment.
• Ability to determine actions to address risk factors.
• Strong compliance with terms and conditions and monitoring.

Responsabilidades

• Credit evaluation of WL and HR accounts; identify concerns and recommend actions.
• Assess triggers to determine downgrades to WL/HR.
• Co-manage WL/HR with BC; monitor payments and compliance; update management and auditors.
• Support BC in R&R letter review and documentation completion.
• Provide Early Alerts via reports and monitor daily PDBs, CA expiries, downgrades.
• Prepare status reports for SAC Meetings, Mgmt, auditors and CGC.

Conhecimentos

Credit risk

Watch List

HR accounts

Reporting

Formação académica

Bachelor's degree in Business/Accounting/Finance

Ferramentas

Excel

Descrição da oferta de emprego

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.