Req ID: 7166
Job Description:
- Performed sampling activities on approved (i.e. New, Review, Reschedule & Restructuring) Corporate, Commercial, SME and consumer accounts based on CPA sampling methodologies.
- Conduct independent post credit reviews on Corporate, Commercial, SME and consumer business units that cover the following:
- Provide in depth assessment on credit evaluation to ascertain the quality, credit risks compliance with internal policies, lending guidelines and statutory/regulatory requirements.
- Review sufficiency of information provided by business units for decision making.
- Review that all relevant credit risks are covered and in line with the Bank’s risk appetite, Credit Guidelines and Financing Process are followed with any exception/deviation properly documented and approved at the appropriate level.
- Liaise with relevant department/division (i.e. Shariah Advisory, PMD, FD etc.) prior to issuance of queries to respective Business Unit that consist of department / division (Business Units/CMD/Corporate Recovery/CAD and etc.).
- Issue queries to the relevant Business Unit and evaluate the reasonableness of their response.
- Liaise with the relevant department/division and propose corrective action plan when necessary for improvements on internal controls.
- Follow up on outstanding issues with a view to resolving them until closure.
- The reviewer is to consolidate all valid findings raised together with replies from the respective party(ies) for preparation and report submission to BRC.
- Obtain adequate supporting document / evidence. Supporting document / evidence must be sufficient, reliable, relevant and useful to the review.
- Document the observations, either through findings or improvement recommendations, and obtain management comments, if necessary.
- Discussed with HOD and obtain direction on each team’s findings prior to the exit meeting.
- Plan and participate in the discussion of exit meetings.
- Ensure proper and adequate working papers are kept once review is completed for filing purposes.
- Finalized and follow up on all observations. Ensure material deficiencies are followed up until resolved.
- Prepare a comprehensive Credit Post Approval Review Report.
- Ensure professionalism, objectivity, integrity and ethics are maintained at all times.
- Attend internal/ external training as volunteered or nominated by the HOD.
- Ensure adherence and compliance with all internal policies/guidelines and external regulatory requirements.
- On an ad-hoc or invitation basis, CPA will conduct independent assessment on credit related matters in respect of new products / services / process and its changes. Any risk / issues identified will be communicated to BU/SU and respective stakeholders for acknowledgement and appropriate action.
- To conduct carry out any duty or ad-hoc assignment assigned by HOD.
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