Job Description
- Screen and process the individual / Retail loan applications (HP) and to ensure the Credit Evaluation’s process, searches, policies and guidelines are complied with.
- Conduct credit underwriting assessment and able to identify potential credit risk in applications
- Ensure sound credit approval quality through the identification of potential problem accounts for close monitoring and early remediation during the periodic review.
- Assist in the implementation of new/changes in credit policy/ new business initiatives.
- Conduct evaluation based on detailed analysis and provided with recommendations based on credit underwriting standards and policies.
- Provide feedback on the gaps/opportunities in credit underwriting policy.
- Ensure timely completion of credit review and assist business units in suggesting risk-mitigating terms during the review process.
- Assist in initiatives to streamline end-to-end credit processes.
- Perform timely periodic review which includes line management and early warning detection to help ensure the performance of existing accounts are being actively monitored.
- Contribute to the preparation of credit risk management meetings.
- Maintain market awareness and be vigilant of trends affecting existing and future credit exposures.
- Work with Business Unit to define, review and enhance Target Market and Risk Acceptance Criteria.
- Undertake ad-hoc tasks/ projects as may be required from time to time.
Key Result Areas
- Perform timely credit assessment and provide recommendations of applications accordingly for periodic account review
- Provide feedback on the gaps/opportunities in credit underwriting policy.
- Support in managing delinquency of a portfolio via early warning and/or periodic review.
Requirements
- Minimum 3-5 years of experience in credit assessment or front-line covering retail credits.
- Bachelor’s degree in finance, Business Administration, Business Management, Accounting, or related field.
- Professional certification such as AICB CCR, CCE, CCP or equivalent certification is highly desired.
- Able to work under pressure with tight turnaround time.
- Swift in undertaking other credit-related matters apart from the typical credit assessment/ tasks.
- Possess strong analytical, writing and interpersonal skills.
Job Type: Contract
Contract length: 12 months
Pay: RM3,000.00 - RM4,000.00 per month
Benefits:
- Health insurance
- Opportunities for promotion
- Professional development
Education:
- Bachelor's (Required)
Experience:
- risk management: 2 years (Preferred)
- credit underwriting: 2 years (Preferred)
Work Location: In person