area credit manager, kuala lumpur in Kuala Lumpur

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job details

kuala lumpur, wilayah persekutuan
banking & financial services
job type
reference number
leong kok yuen, randstad
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job description

About our client

Our client is one of the largest foreign financial institution in Malaysia with some 60 branches nationwide. Our client is looking for a Area Credit Manager for their Business Banking business (based in Kuala Lumpur) to be the bank's credit quality gatekeeper before submission to credit management for approval. Our client Business Banking services local businesses with annual revenue up to RM 150 million.

About the responsibilities

  • Through credit analysis, evaluation and recommendations at one end of the scale and through raising the credit skills of Relationship Managers and taking proactive action to address problem accounts at the other end, the jobholder plays a pivotal role in maximizing revenue growth and minimizing losses for the Bank on lending.
  • Work closely with Risk teams, Credit Support Services, Relationship Managers and Product Partners to drive revenue growth, in particular credit to meet the Bank’s targets.
  • Identification of business opportunities and to increase wallet share of various services in Trade, Cash Management, Receivable Financing which the Relationship Managers could have omitted in the credit proposals
  • Provides oversight on the overall credit governance and credit quality of the assigned portfolio and provide management support to Head or Senior Manager of Business Banking. Key areas include credit reviews, excess management, incomplete security documentations, management of problematic accounts.
  • Provide credit support, advisory and coaching to the Business Centres and development of the credit skills of the Relationship Managers.
  • Identify and act on problematic accounts and participate in formulating proper strategies and to monitor its execution in the efforts to minimise losses.
  • Assist in the structuring of credit proposals for more complex and larger-sized deals that requires sign-off by Head of Business.
  • Provide excellent customer service through effective communication and collaboration with the Relationship Managers
  • Uphold credit policy and lending guidelines whilst maintaining a balanced approach to risk management
  • Liaise and work with other areas and segments of the bank to achieve the best possible experience and outcomes for both the customers, employees and the Bank
  • Deliver fair outcomes for our customers and ensure own conduct maintains the orderly
  • Communicate and adhere to HSBC policy and procedures in order to ensure good operational, financial and project management, policy and procedural compliance and early identification and effective resolution or escalation of issues that arise

About the requirement

  • Bachelor degree preferably in Accounting/Business Administration/Economics from acceptable institutions of higher learning.
  • At least 8 years’ experience of sound lending experience and relationship management experience with exposure in commercial/corporate banking
  • Possess good credit knowledge with strong business acumen.
  • Good interpersonal skills, stakeholder management skills and team player
  • Possess strong leadership/lateral thinking skills and communication skills
  • Analytical and possess strong sense on governance
  • Strong ability to strike a balanced emphasis between high credit quality versus strong commercial orientation and between strong internal controls versus quality customer service.

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