Senior Executive & Assistant Manager, Credit

Phillip Capital Group; Kuala Lumpur; On-site; MYR 60,000 - 80,000; Full time

Job summary

A leading financial services provider in Kuala Lumpur is seeking a Senior Executive / Assistant Manager, Credit. This role includes managing credit exposure, conducting risk analysis, and ensuring compliance with internal policies. The ideal candidate will have a degree in Finance or related fields, with at least 3 years of experience in financial institutions. This position offers a competitive salary along with benefits such as medical coverage and education support.

Benefits

Medical

Miscellaneous allowance

Education support

Insurance

Vision

Company Trip/Team Building

Qualifications

• Minimum 3 years working experience in financial institution or stockbroking.
• Experience in Regulatory reporting (i.e.: ARMADA, CAR Ratio).
• Knowledge in Share Trading will be added advantage.

Responsibilities

• Support, manage and supervise department operations including credit exposure and risk analysis.
• Prepare reporting for regulatory or internal parties.
• Evaluate client backgrounds and recommend margin financing subscriptions.

Skills

Credit analysis

Risk management

Financial analysis

Analytical tools proficiency

Communication skills

Education

Degree in Finance, Accounting, Banking, Economics or equivalent

Tools

MS Word

Excel

Job description

Overview

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The duties of the Senior Executive / Assistant Manager, Credit include, but not limited to the following:

Responsibilities

• To support, manage and supervise department operations, which include credit exposure, risk analysis, and streamline or enhance the workflow/procedure of the department.
• To attend to queries and requests from dealer’s representatives, business support and clients.
• To provide support to branches on complying with internal policies and regulatory requirement and on daily operational queries.
• Service Quality: Monitor and ensure work carried out and decisions made are within the framework of the approval procedures and meet the turnaround time (TAT).
• Attend to Dealer(s) (DR) and client’s requests promptly, accurately and professionally.
• Provide support to branches on operations related matters.
• Prepare weekly/monthly/quarterly/yearly reporting for regulatory or internal parties.
• Handle ad-hoc projects as assigned relating to unit/department.

Credit Evaluation

• Perform periodic review on margin accounts.
• Perform evaluation on single counter/single client exposure and shares analysis (if any).
• Evaluate/recommend/approve for Margin Financing Subscriptions.
• Evaluate/recommend for Institutional Client (New Account & Annual Review).
• Assess credit searches (CCRIS search on clients/guarantors).
• Perform evaluation on client background, pledging of collateral, single counter/single client exposure and shares analysis.
• Evaluate Paid dealer permanent trading limit, and remisier multiplier.
• Perform price capping exemption review and ceiling base review for margin financing.
• Evaluate and recommend for extension of margin call.
• Perform credit review on a periodic basis and as needed as advised by superior.
• Close monitoring of company, branches, DR’s and non-margin/margin client’s position/exposure.
• Monitoring of recovery process of losses.
• Monitor the completeness of force selling and settlement of overdue purchase contracts for T+3/T+8 position.
• Monitoring to ensure all margin calls are rectified within the agreed time frame.
• Monitor, maintain and update counter exposure to paid up capital (i.e.: borrowing/lending) between other entity.
• Attend and assess all alert messages prompted by online risk management system.
• Review on DR’s commission on monthly basis.
• Review and monitor daily/weekly/monthly/quarterly reports and ensure that the reports are submitted to relevant party within the determined time frame.
• Monitor listing of common shareholder for Foreign Share Trade (FST) transaction.
• Ensure all overdue purchases are squared off as per Bursa requirement and all margin calls rectified within the agreed time frame, including Discretionary Financing (DF) accounts.
• Periodic review and monitor news/announcements/corporate actions of public listed companies via Bursa Malaysia’s website/circulars and carry out the necessary action.
• Ensure margin accounts are well maintained by clients/DRs at all times.
• Provide operational support to deliver business performance of the company.
• Preparation on Regulator Reporting.

Compliance and Policy

• To meet both internal and external audit requirements during scheduled periodic reviews.
• To ensure policy guidelines (e.g., AMLA and ORM Framework and data integrity) are met.
• To document and file all workings accordingly.
• Carry out recovery action as outlined in Business Continuity Plan (BCP) in the event of disaster.
• Attend to audit/inspection by compliance officers, internal or external auditors.
• Monitor the news/announcement/corporate action of public listed companies via BTX, Bursa Malaysia’s website/circulars and carry out the necessary action.

Policy & Procedure

• Periodic review on ceiling price computation.
• Provide guidance/training to subordinates and branches regarding margin department’s policies & procedures.

Requirements

• Degree in Finance, Accounting, Banking, Economics or equivalent.
• Minimum >3 years working experience in financial institution or stockbroking.
• Experience in Regulatory reporting (i.e.: ARMADA, CAR Ratio).
• Experience in Share Margin Financing.
• Knowledge in Share Trading will be added advantage.
• Sound knowledge in Credit analysis, financial analysis, Banking or lending and Risk management.
• Ability to interpret financial statement.
• Ability to work under pressure and meet deadlines.
• Proficient in written & spoken English.
• Proficient in analytical tools like MS Word, Excel.

Phillip Capital is a group of companies which offers a full range of quality and innovative financial services to retail, corporate and institutional customers. We operate in the financial hubs of 15 countries, with offices in Singapore, United Kingdom, USA, France, China, Hong Kong, Thailand, Japan, Australia, Malaysia, Indonesia, Turkey, India, Dubai and Cambodia.

Perks and benefits: Medical, Miscellaneous allowance, Education support, Insurance, Vision, Company Trip/Team Building

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