Senior Manager, Post-Approval Credit Review

Affin Bank Berhad; Kuala Lumpur; On-site; MYR 89,000 - 201,000; Full time

Job summary

AFFIN BANK BERHAD in Kuala Lumpur invites a seasoned credit review professional to conduct post-approval credit reviews (PACR) and post-mortem reviews (PMR) on corporate and commercial exposures, ensuring compliance with internal policies and regulatory expectations.

You will prepare and present findings to Management Committees and risk groups, identify weaknesses, and share lessons learned through workshops.

Qualifications

• Degree in Finance/Business Admin/Accounting or Economics.
• Possess Credit Certification such as CCP, BCP, CCR, PET, BBC, BRC or Chartered Banker.
• More than 8 years’ experience in credit review/analysis and/or credit appraisal/approval functions, covering corporate and commercial loans / financing.
• Experience in independent credit review is an added advantage.
• Strong skillset in credit risk assessment, financial analysis and risk management.
• Sound knowledge in credit products, credit policy & procedures and regulatory requirements.
• Good interpersonal skills.
• Inquisitive with strong analytical skills.
• Good report writing and communication skills.
• Proficient in navigating the intersection between risk management and business needs.

Responsibilities

• Conduct post approval credit review work in accordance with objectives, standards, plan and work program.
• To conduct Post-mortem Credit Review (PMR) on all newly and relapsed impaired accounts for both Retail and Non-Retail loans/financing.
• Ensure that the scope, depth and frequency of credit review work commensurate with the significance of the segment or business activity to the Bank’s credit risk profile.
• Identify and highlight credit risk issues, weaknesses and vulnerabilities to respective Business Units for their response and remedial actions.
• Where appropriate, make recommendations to mitigate the risk(s) identified and/or rectify the issues highlighted.
• Establish lessons learned from credit issues / weaknesses identified in the course of conducting the independent credit review.
• Prepare, submit and present credit review report on a timely basis to Management Committee, GBRMC and GBAC.
• Organise/participate in sharing sessions/workshops to stakeholders on key lessons learned from past credit failures.
• Assist in the review and update the credit review plan and work program on regular basis to ensure they remain current and relevant.
• Assist in reviewing and providing value added feedback to enhance credit risk strategy, credit risk policy, annual credit plan and product programs.
• Assist in reviewing the development of annual credit plan, lending guidelines and benchmarks for new acquisitions and existing customer management.
• Assist in developing and implementing Quality Assurance Measures.
• Assist in providing training and guidance to enhance knowledge and skills of team members.
• Assist in providing ongoing guidance and support to ensure team members conduct thorough credit reviews.
• Perform any other duties as assigned by Head of Division.

Skills

Credit risk assessment

Financial analysis

Risk management

Regulatory knowledge

Communication skills

Education

Degree in Finance/Business Admin/Accounting or Economics

Tools

Microsoft Office

Job description

Create the future with Affin! You too can make a difference. We continuously innovate to transform our financial services landscape - making banking better and easier. Join us at AFFIN, where the open minds meet and be inspired by a shared commitment to great work. You too can make a difference.

Job Purpose

To conduct Post Approval Credit Review (“PACR”) on accounts sampled as per PACR guidelines and Independent Credit Review ("ICR") manual, in compliance with the requirements specified in BNM policy on Credit Risk and internal credit policies to ensure that credit decision-making remains consistent with the Bank’s overall credit risk management arrangements. To conduct Post-mortem Credit Review (“PMR”) on all newly and relapsed impaired accounts. Escalate and report results of the ICR, findings, lessons learned and recommendations to Management Committees, Group Board Risk Management Committee (GBRMC) and Group Board Audit Committee (GBAC). To conduct sharing sessions with various stakeholders to educate them on the learning points gained from PACR and PMR. To undertake special assignments / ad-hoc task arising from specific requests from Head Independent Credit Review.

Responsibilities

• Conduct post approval credit review work in accordance with the objectives, established standards, approved credit review plan and work program.
• To conduct Post-mortem Credit Review (“PMR”) on all newly and relapsed impaired accounts for both Retail and Non-Retail loans/financing.
• Ensure that the scope, depth and frequency of credit review work commensurate with the significance of the segment or business activity to the Bank’s credit risk profile.
• Identify and highlight credit risk issues, weaknesses and vulnerabilities to respective Business Units for their response and remedial actions.
• Where appropriate, make recommendations to mitigate the risk(s) identified and/or rectify the issues highlighted.
• Establish lessons learned from credit issues / weaknesses identified in the course of conducting the independent credit review.
• Prepare, submit and present credit review report on a timely basis to Management Committee, Group Board Risk Management Committee (GBRMC) and Group Board Audit Committee (GBAC).
• Organise/participate in sharing sessions/workshops to various stakeholders on key lessons learned from past credit failures with the objective of minimising recurrence of such mistakes.
• Assist in the review and update the credit review plan and work program on regular basis to ensure they remain current and relevant.
• Assist in reviewing and providing value added feedback to enhance credit risk strategy, credit risk policy, annual credit plan and product programs.
• Assist in reviewing the development of annual credit plan, lending guidelines and benchmarks for new acquisitions and existing customer management to ensure they remain within acceptable risk framework.
• Assist in developing and implementing Quality Assurance Measures: Establish and implement quality assurance measures to ensure the accuracy, completeness, and consistency of credit review processes and reports.
• This involves conducting periodic reviews and audits of credit review activities, identifying areas for improvement, and implementing corrective actions to enhance the effectiveness of the review function.
• Assist in providing training and guidance: Assist in developing and delivering training programs and workshops to enhance the knowledge and skills of team members involved in credit review activities.
• Assist in providing ongoing guidance and support to ensure team members are equipped to conduct thorough and insightful credit reviews in accordance with established standards and best practices.
• Perform any other duties as and when assigned by Head of Division.

Job Requirements

• Degree in Finance/Business Admin/Accounting or Economics.
• Possess Credit Certification such as CCP, BCP, CCR, PET, BBC, BRC or Chartered Banker.
• More than 8 years’ experience in credit review/analysis and/or credit appraisal/approval functions, covering corporate and commercial loans / financing.
• Experience in independent credit review is an added advantage.
• Strong skillset in credit risk assessment, financial analysis and risk management.
• Sound knowledge in credit products, credit policy & procedures and regulatory requirements.
• Good interpersonal skills.
• Inquisitive with strong analytical skills.
• Good report writing and communication skills.
• Proficient in navigating the intricate intersection between risk management and business needs, offering a pragmatic approach to deliver effective solutions.
• Proficient in Microsoft Office – Word, PowerPoint and Excel.

People are the heart of AFFIN BANK. We have a positive and supportive environment where we celebrate people’s personal growth and encourage them to be the best versions of themselves, both in the workplace and in their community. We are evolving to become a financial institution of the future, embracing innovation and technology to deliver unrivaled customer service. We're looking for colleagues who share our values and are ready to live them every day.

"Always About You" At AFFIN, we strive to always connect and engage with our customers, to understand their changing needs and aspirations better. It represents our passion and commitment to the community we operate in, enabling us to quickly respond to changes and provide a personalised experience. At AFFIN, our people are aligned to our values of customer centricity, creativity and value creation. Our tagline “Always about you”, was crafted to drive loyalty and build our reputation as a creative and innovative financial organisation. Our people are at the heart of what we do and remain the focus of our customer centric culture. It’s about the initiatives we take in understanding and prioritising our stakeholders; our customers, employees and shareholders. As we venture through this metamorphosis journey, we are aware of their ever-changing needs and are embracing the new ways of this digital dimension. We put our hearts and minds into everything we do, to ensure that everyone we touch, receives unrivalled customer service.