Senior Credit Manager

RHB Bank; Kuala Lumpur; On-site; MYR 150,000 - 200,000; Full time

Job summary

A leading financial institution in Kuala Lumpur seeks a professional to independently evaluate credit applications and enhance customer service. The candidate will ensure quality assets are booked, approve applications within set powers, and provide input to improve existing workflows. Ideal for someone with a strong understanding of credit evaluation processes and proven customer service skills, this role offers a dynamic environment focused on credit quality and banking excellence.

Qualifications

• Strong understanding of credit evaluation processes.
• Ability to analyze customer backgrounds and credit trends.
• Experience in improving customer service satisfaction.

Responsibilities

• Independently appraise and evaluate credit applications.
• Approve credit applications within delegated discretionary powers.
• Provide input for review of existing workflows and processes.

Job description

• Independently appraise and evaluate credit applications from Business Banking and ensure that only quality assets are booked.
• Screen customer background, track records and behavior patterns to ensure credit quality stands up to approving authority’s expectations.
• Be conversant with key industry trends and highlight any adverse market information for management attention.
• Improve customer service satisfaction through joint customer visits with lending units for better evaluation of risk issue.

Approval within Discretionary Power

• Approve credit applications within his/her delegated discretionary powers (DP).
• The DP covers permanent and temporary facilities as well as ad-hoc and administrative requests from lending units including both local and overseas branches/centres.

Strategy and Planning

• Relief other SCMs/CMs in his/her absence and work jointly with SCMs/CMs to ensure service standards on Turnaround Time for credit application processing are consistently met.
• Provide input for review of existing workflows, procedures and processes with a view to improve service quality at reduced cost and increased revenue.
• Undertake special functions as assigned by management to improve credit quality or enhance credit culture within the Banking group.