Micro Business Officer – Program Financing

Agrobank; Kuala Lumpur; On-site; MYR 60,000 - 80,000; Full time

Job summary

A financial institution in Kuala Lumpur seeks an experienced professional to oversee microcredit financing and project evaluations. Responsibilities include monitoring project performance, ensuring compliance, and preparing stakeholder reports. Applicants should have a Bachelor's degree in Business and at least 3 years of experience in related fields. Strong skills in credit origination and risk management are essential.

Qualifications

• At least 3 years’ experience in managing microcredit financing.
• In-depth knowledge in Credit Origination and Proposal Paper preparation.
• Strong analytical skills in financial and performance analysis.

Responsibilities

• Oversee and manage the portfolio of micro business asset financing.
• Monitor project performance and prepare annual reviews.
• Support branches in project origination and compliance.

Skills

Credit Origination

Proposal Paper preparation

Risk management

Problem solving

Interpersonal skills

Client management

Analytical skills

Education

Bachelor’s Degree in Business or equivalent

Job description

Overview

To perform evaluation and prepare Project Proposal Paper under Program Financing concept for approval submission within the stipulated Turn Around Time (TAT).

To execute and monitor all approved projects according to governing Policy & manual including but not limited to documentations completion, terms & conditions compliance prior disbursement.

To perform continuous monitoring on project performance, Asset Quality and prepare annual review for tabulation to Management.

To prepare Periodically Reporting to all stakeholders on funds utilization, project & project operator performance, impact of project on participants economy & skill development, local community, socio economy impact and contribution for improvement of country Self Sufficient Level (SSL).

To support Branches & Regions on all aspect related to project originations, executions, monitoring, compliance and disbursement.

All these aspects should be in line with the KPI set by the Management.

*Refering to specific community project under program financing (e.g. Petronas B40 contract farming program, FELDA PPP, Paddy financing, MINTRED etc.)

Principal Accountabilities

• Continuous supervision on the portfolio growth of micro financing including asset quality improvement and profitability as per annual target budget decided by Management
• Oversee and manage the portfolio of micro business asset financing and liabilities, while ensuring sustainability and profitability for Agrobank.
• Oversee microcredit & Program Financing related product / service financing facility to ensure fit business and customers’ needs.
• To fulfill the expectations set by all stakeholders.
• To ensure the safeguard of Agrobank, Stakeholders and customers’ interest.
• Initiate annual business strategy in aspect of positioning, target and KPI parameter for branches or other business channel
• Support in promotion and incentive program by proposing relevant initiative programs.
• TAT monitoring and develop business case for process improvement.
• Ensure originator are provided with continuous development opportunities to enhance their knowledge and capabilities in microcredit related matters.

Qualifications

• Education: Bachelor’s Degree in Business related field, or equivalent experience
• Experience: At least 3 years’ experience in managing microcredit financing including technical experience in related segment.
• Knowledge and Skills: In depth knowledge in Credit Origination, Proposal Paper preparation as well as hands on experience with processing matters, budgeting and risk management.
• Demonstrated understanding of compliance issues and regulatory requirements related to microcredit & Program Financing segment.
• At ease with the abundance of details and complexity, yet mindful of the big picture.
• Must be result oriented with a strong sense of urgency, and the ability to manage multiple complex issues concurrently.
• Excellent problem solving, communication, interpersonal and client management skills.
• Strong analytical skills in financial and performance analysis, and proven ability to translate information into effective recommendations and action plans.