Senior Manager, Credit Evaluation

Senior Manager, Credit Evaluation

Malaysia · Design · Full Time

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About The Company

We are a reputable provider of personal loans in Malaysia. We offer superior lending experiences and the most accommodating payback plan in the sector.

Our leading-edge technology delivers quick and flexible funding to small and medium-sized businesses where it is most needed, enabling them to thrive while supporting the ever-growing community of SMEs.

Job Highlights:

  • Attractive employee benefits
  • Competitive salary
  • Healthy learning and career development environment
  • Annual Bonus and Incentives

Key Responsibilities:

  • Provide credit risk evaluation of credit applications submitted by the various business units and identify / address / mitigate all pertinent credit risk issues.
  • Identify and mitigate risks associated with any credit exposure to the bank and make appropriate recommendations to facilitate conscious decision making by credit approving authority, while ensuring long term asset quality and minimize loan losses.
  • Mediate difference in views between credit evaluation and business units in order to achieve an optimal proposition, balancing both risk and business needs.
  • Maintain market awareness so as to be vigilant of trends affecting existing and future credit exposures.
  • Review and sign-off credit ratings submitted by the business units and where appropriate, recommend upgrades or downgrades in credit rating.
  • Perform "check and balance" on compliance of internal and external policies and conditions/covenants imposed on facilities.

Job Requirements :

  • Bachelor’s Degree in Accounting/Finance/Economics or equivalent.
  • Certified Credit Professional or any similar credit-related certification.
  • At least 8 years credit experience in SME/Commercial environment.
  • Have a good understanding of legal documentation to identify areas which could present credit risks.
  • Skilled at communicating and presenting.
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