Senior Credit Approver (Banking)

Randstad Malaysia; Kuala Lumpur; On-site; MYR 350,000 - 700,000; Full time

Job summary

Randstad Malaysia is seeking a Senior Credit Approver (Senior Vice President level) to join its client’s Commercial Credit Division in Kuala Lumpur. This individual contributor will evaluate and approve commercial credit facilities within delegated authority, handling mid-market credits with strong business acumen to balance risk and growth.

Applicants should have 18–20 years in Commercial or Corporate Banking and a proven track record in credit evaluation, risk assessment, and relationship

Qualifications

• 18–20 years of total experience in Commercial or Corporate Banking.

Responsibilities

• Approve credit and financing applications within delegated authority limits (new facilities, increments, renewals).
• Perform independent credit evaluations and prepare assessments for high‑value approvals beyond CDL.
• Review and validate internal customer credit ratings.
• Collaborate with Business Units and Relationship Managers to resolve complex credit issues and mitigate portfolio risk.
• Ensure all credit decisions comply with risk policy guidelines and regulatory frameworks.

Skills

Credit evaluation

Risk assessment

Relationship management

Analytical thinking

Education

Bachelor Degree

Job description

About the Company

our client is a premier regional financial institution with an established presence across major markets. Known for its strong balance sheet, customer-centric banking solutions, and progressive work culture, the organization actively supports career growth and internal mobility while fostering a collaborative environment for top-tier talent in the banking industry.

About the Job

In this role, the successful candidate will join our client's Commercial Credit Division as a Senior Credit Approver (Senior Vice President level). Operating as an individual contributor, the individual will evaluate and approve commercial credit facilities within delegated credit authority (CDL). The mid-market portfolio bridges SME and Corporate banking, requiring strong business acumen to manage complex credit structures and non-standard audited accounts. The Senior Credit Approver will work closely with Relationship Managers and key stakeholders to balance risk mitigation with business growth, managing a standard volume of approximately 60 case reviews per month.

Key Responsibilities

• Approve credit and financing applications—including new facilities, incremental lines, annual reviews, temporary excesses, and renewals—within delegated authority limits.
• Perform independent credit evaluations and prepare detailed assessments for high-value applications requiring approval beyond CDL.
• Review and validate internal customer credit ratings.
• Collaborate with Business Units (BU) and Relationship Managers to resolve complex credit issues, mitigate portfolio risk, and maintain strong underwriting standards.
• Ensure all credit decisions comply with internal risk policy guidelines and regulatory frameworks.

Qualifications & Requirements

• Experience: Minimum 18 to 20 years of total experience in Commercial or Corporate Banking.
• Core Expertise: A strong background in Credit Approval, Credit Evaluation, or Risk Assessment, with a proven track record handling mid-market or corporate credit facilities.
• Frontline Background: Prior exposure as a Relationship Manager (RM) or in direct business-line roles is highly preferred to ensure a deep understanding of commercial client operations.
• Technical Proficiency: Strong analytical capabilities covering both plain vanilla and structured financing transactions.
• Industry Focus: Open to credit experience across key sectors including Real Estate, Construction, Oil & Gas, Technology, and Telecommunications.

About the Manager/Team

the role reports directly to the Country Head of Commercial Credit within a department composed of seasoned approvers. the team emphasizes an agile, collaborative culture and values practical business judgment alongside rigorous risk controls. our client actively supports career development and internal mobility, offering opportunities to transition across different specialized credit and corporate teams after two years in the role.

Experience

16 years

Skills

Commercial Credit Approval

Qualifications

Minimum 18 to 20 years of total experience within Commercial or Corporate Banking.

Education

Bachelor Degree