Vice President, Credit Management

OSK CAPITAL SDN. BHD.; Kuala Lumpur; On-site; MYR 120,000 - 180,000; Full time

Job summary

OSK Capital is seeking an independent credit evaluator to ensure comprehensive credit assessment and superior asset quality across the Group.

The role requires engagement with Business Unit and Senior Management on risk issues, performing independent credit assessments, reviewing credit parameters, and close monitoring of the financing portfolio to promptly address deterioration in credit standing.

Qualifications

• Min 7 years of business credit experience, notably in property development & construction financing, land bank financing, asset backed financing, share margin financing etc.
• Familiar with asset-backed lending, development and construction financing, mezzanine loans, and other types of commercial real estate financing.
• Familiar with responsible lending and regulatory requirements in Malaysia.
• Capability to evaluate credit by using data analysis and business acumen, notably on evaluating the merits and risks of various types of loans by using factual arguments.
• Familiar with the historical developments, current issues and evolving trends in the commercial real estate market in Malaysia.
• Possesses a positive, can-do attitude and can work under pressure to meet tight turnaround time.

Responsibilities

• Engagement with Business Unit and Senior Management on risk issues in relation to business initiatives to be implemented by the Group.
• Perform independent credit assessment, i.e.: credit profile, structure and customer due diligence etc. on all credit applications within the Group, and ensure assets booked are of superior quality.
• Review, devise and improve the credit parameters for portfolio lending that the Group exposed to.
• Close monitoring of the Group financing portfolio and ensure prompt actionable are taken in a timely manner should there be any deterioration in the credit standing of customers.
• Ensure adherence to internal guidelines, policies and regulatory requirements etc. for all credit applications within the Group.
• Joint site visits with Business Unit to evaluate the quality / marketability of collateral and ascertain its suitability in relation to the financing application.

Skills

Credit analysis

Risk assessment

Data analysis

Portfolio monitoring

Interpersonal skills

Job description

OSK Capital is a non-bank financing provider under OSK Holdings Berhad, offering flexible financing solutions to businesses and individuals. The company specialises in business financing, factoring, share-related financing. Its focus is on delivering fast, tailored financial solutions that support business growth and expansion.

We are looking for an independent credit evaluator to ensure comprehensive credit assessment for informed credit decisioning and superior assets quality.

Job Description :

Engagement with Business Unit and Senior Management on risk issues in relation to business initiatives to be implemented by the Group.

Perform independent credit assessment, i.e.: credit profile, structure and customer due diligence etc. on all credit applications within the Group, and ensure assets booked are of superior quality.

Review, devise and improve the credit parameters for portfolio lending that the Group exposed to.

Close monitoring of the Group financing portfolio and ensure prompt actionable are taken in a timely manner should there be any deterioration in the credit standing of customers.

Ensure adherence to internal guidelines, policies and regulatory requirements etc. for all credit applications within the Group.

Joint site visits with Business Unit to evaluate the quality / marketability of collateral and ascertain its suitability in relation to the financing application.

Job Requirements :

Min 7 years of business credit experience, notably in Property Development & Construction financing, land bank financing, asset backed financing, share margin financing etc.

Familiar with asset-backed lending, development and construction financing, mezzanine loans, and other types of commercial real estate financing.

Familiar with responsible lending and regulatory requirements in Malaysia.

Capability to evaluate credit by using a combination of data analysis and business acumen, notably on evaluating the merits and risks of various types of loans by using factual arguments.

Familiar with the historical developments, current issues and evolving trends in the commercial real estate market in Malaysia.

Possesses a positive, can-do attitude and can work under pressure to meet tight turnaround time.

Good personality, high integrity, proper track record and able to work independently with excellent interpersonal skills.