Senior Manager, Credit Evaluation & Decisioning

AmBank; Kuala Lumpur; On-site; MYR 120,000 - 180,000; Full time

Job summary

A leading Malaysian financial institution is seeking a Senior Manager, Credit Evaluation & Decisioning to oversee the assessment of credit applications. This role requires managing credit underwriting standards, compliance with policies, and fostering a strong risk culture. The ideal candidate should possess a Bachelor’s degree and at least 8 years of banking experience, including significant credit evaluation responsibilities. Opportunities for personal and team development are also a key element of this position.

Qualifications

• Minimum 8 years working experience in banking industry with at least 5 years credit experience.
• Experience in SME and/or Commercial credit evaluation.
• Strong understanding of credit policies and guidelines.

Responsibilities

• Manage assessment of all credit applications and identify associated risks.
• Ensure compliance with credit policies and guidelines.
• Drive risk culture within risk and business teams.

Skills

Credit evaluation

Risk management

Team leadership

Education

Bachelor degree in finance/accountancy/economic or related field

Certified credit professional or equivalent

Job description

Senior Manager, Credit Evaluation & Decisioning

Primarily responsible for assessment of all credit application, identify risks associated with such exposure and make appropriate recommendations to the relevant AA for approval.

Performance Management: a) Manage Credit Underwriting standards and quality. b) Manage Standard Turnaround Time

Compliance and Risk Management : a) Apply the Credit Program grading within allowable limits b) Compliance of credit policies and guidelines c) To highlight to Team Lead / Senior Underwriter on any need to improve credit policies and guidelines

Ensure timely completion of credit assessment with agreed turnaround time.

Assure credit underwriting quality and compliance of policies and guidelines

Ensure fast credit decision to support the loans growth.

Ensure loan quality maintenance by early detection of credit deterioration via loan reviews / renewal processes.

Drive risk culture within risk and business teams

Review and sign off credit ratings as per CRR policy.

Determine correct AA and ensure credit proposals comply to all internal and external policies.

Employee engagement – maintain good interaction and engagement level within BCR and BB as well as across other AmBank Group as a whole.

Use the Bank’s IDP as a tool to facilitate immediate and long term professional development.

Upskilling of personal credit skill set and the team as to drive consistency in credit evaluation & assessment for EB team.

Job Requirements

Bachelor degree in finance/accountancy/economic or related field, or

Certified credit professional or equivalent

Min 8 years working experience in banking industry with at least 5 years credit experience in SME and/or Commercial.

Front line experience would be an added advantage.