Senior SME Credit Manager (GCM)

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

Job summary

A leading financial institution in Kuala Lumpur is seeking a Credit Evaluator to perform independent credit evaluations of commercial and SME accounts. The ideal candidate must have at least 5 years of experience in credit processing and analysis, possess strong analytical skills, and be capable of working independently. Responsibilities include supporting business units, monitoring loan portfolios, and ensuring compliance with credit policies.

Qualifications

• Minimum 5 years in credit processing, analysis and evaluation exposure in marketing of SME/commercial loans.
• Capable of working independently with minimum supervision and strong credit analytical skills.
• Good written and communication skills.

Responsibilities

• Perform independent credit evaluation/assessment for commercial/SME accounts.
• Support Business Units in enhancing credit structure and terms.
• Monitor existing loan portfolio for early warning signals.

Skills

Credit processing

Credit analysis

Communication skills

Relationship management

Job description

Overview

To perform independent credit evaluation/assessment in respect of the credit application of commercial/SME accounts, mitigation and recommendations to enable decision-makers to formulate well-informed decisions, with the objective to satisfy borrowers’ needs and protect the Bank’s asset quality.

To provide support and work closely with Business Units in respect of enhancing credit structure and proposed terms and conditions.

To attend to various requests from business units within the agreed turnaround time.

To monitor closely the existing loan portfolio to ensure that any early warning signals are being highlighted promptly for informed decision making and appropriate action.

To provide necessary support in matters related to credit management infrastructure of the Bank.

Ensure compliance of the Bank’s credit policies and applicable rules and regulations while maintaining a balanced approach to promote profitable business growth and asset quality.

Other duties to be assigned by Head of Department and/or Group Chief Credit Officer from time to time.

Key Requirement

• Minimum 5 years in credit processing, analysis and evaluation exposure in marketing of SME/commercial loans.
• Capable of working independently with minimum supervision, possess strong credit analytical skills and able to work under tight deadlines.
• Good written and communication skills.
• Experienced business relationship manager who is interested in Credit Evaluation is encouraged to apply.

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Application Questions

• Which of the following statements best describes your right to work in Malaysia?
• What’s your expected monthly basic salary?
• Which of the following types of qualifications do you have?
• How many years' experience do you have as a Credit Manager?
• How many years' experience do you have in a credit management role?
• Do you have experience in a role which requires relationship management experience?

About Affin Bank

AFFIN BANK Berhad is the financial holding company of Affin Islamic Bank Berhad, Affin Hwang Investment Bank Berhad, and Affin Moneybrokers Sdn Bhd. Generali Life Insurance Malaysia Berhad and Generali Insurance Malaysia Berhad are associate companies of Affin Bank Berhad.

AFFIN BANK provides a suite of financial products and services that is catered to both retail and corporate customers. The target business segments are categorized under key business units such as Community Banking, Enterprise Banking, Corporate Banking and Treasury. As at 17 August 2023, AFFIN BANK has a network of 120 branches in Malaysia.

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.