Senior Executive Share Margin Financing Credit

Alliance Bank Malaysia Berhad; Kuala Lumpur; On-site; MYR 60,000 - 80,000; Full time

Job summary

A leading financial institution in Kuala Lumpur is seeking a Senior Executive for Share Margin Financing (SMF) Credit. The role involves processing and evaluating margin applications, managing and training support teams, and ensuring compliance with credit policies. Candidates should have a minimum of 2 years' experience in credit processing, strong analytical skills, and a good understanding of equity markets. The position offers an opportunity to work in a dynamic financial environment with competitive compensation.

Qualifications

• Minimum 2 years of experience in credit processing on retail or non-retail portfolio.
• Good knowledge of credit applications, processing, and evaluation.
• Basic understanding of equity markets and margin financing mechanics.

Responsibilities

• Process and evaluate margin and non-margin applications.
• Manage and train the support team to achieve turnaround time.
• Analyze applications and prepare credit write-up for loan approval.
• Prepare weekly and monthly reports for management.

Skills

Credit processing

Knowledge of equity markets

Attention to detail

Analytical skills

Education

AICB Certificate in Credit

Job description

Senior Executive, Share Margin Financing (SMF) Credit

Process and evaluate margin (Share Margin Financing and Personal Financing) and non margin applications.

Evaluate and assign collateral capping (i.e shares, wealth, property) for SMF /PF margin accounts.

Providing credit support to all Share Trading Centres (STC) and Account Relationship Managers.

Manage, guide and train the support team members to achieve the turnaround time (TAT) and meet policy guidelines.

Ensure that SMF/PF new application(s) and credit renewal submitted meet the Bank's risk acceptance criteria, SMF and PF credit policy, approving matrix, AMLA framework and BNM guidelines requirement.

Analyze SMF/PF application(s) and subsequently prepare credit write‑up, recommend for loan approval.

Perform review and renew all SMF/PF margin accounts.

Continuously work on streamlining work processes to improve TAT.

Handling CCRIS reporting enquiries – lodge new application and update application status.

Handling CTOS checks.

Prepare weekly and monthly reports for submission to the management.

Attend queries/request and provide guidance to STC, ARM and Retail Broking Investment Lending on all matters related to SMF/PF.

Conduct property valuation for property pledged as collateral.

Job Requirements:

• Minimum 2 years of experience in credit processing on retail (secured and unsecured products) or non-retail portfolio.
• AICB Certificate in Credit holder – an added advantage.
• Basic understanding of equity markets and margin financing mechanics.
• Good knowledge of credit applications, processing and evaluation.
• Experience and knowledge in stock banking is an advantage.