Credit Underwriter (Banking)

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