credit risk portfolio management in Kuala Lumpur

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job details

posted
location
kuala lumpur, wilayah persekutuan
specialism
banking & financial services
job type
permanent
working hours
Full-Time
salary
rm 180,000 per year
reference number
91M0125712_1536915170
contact
mohd faez abdul rahim, randstad
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job description

About the company

One of the largest Islamic banking group in Malaysia is currently looking for motivated, agile and ambitious individuals to join us in building a first-class team to deliver excellence within a dynamic and results-oriented environment. We look for energy, deep passion and an unwavering drive to excel. We believe in diversity and creativity.

About the Role

You will be responsible for providing guidance to business when it comes to advising and interpreting policies and controls related to Credit Risk Portfolio Management. The employer is looking for a Credit Risk Professional, mainly focused on Credit Review and lead the Post Mortem Review Unit. Primarily responsible for carrying out post mortem analysis for Consumer, Commercial, SME and Corporate portfolio. The function is carried-out to determine the root causes of impaired accounts and to identify weaknesses in the financing origination, evaluation, approval, documentation and monitoring process, as well as credit risk policy and underwriting standards. You will be reporting straight to the Head of Department

Duties

  • Lead the post mortem review unit
  • Reassess the customer’s financial strength/ payment capacity and terms and conditions at the point of origination/ approval/ review
  • Assess if risks highlighted by Credit Risk Analysts have been adequately/ properly mitigated
  • Assess if disbursement was in accordance with the terms and conditions of approval, evidence of factors beyond control, i.e. economic factors, natural disaster etc
  • Highlight weaknesses in the structuring of the credit facility to ascertain if it is consistent with the purpose of the financing
  • Assess the collateral pledged in accordance with market value and formal valuation/ any part of the security/ collateral has been disposed. If so, when was it disposed and at what value
  • Set out recommendations of what needs to be done to prevent lapses, if any, from recurring
  • Ensure adherence and compliance to all internal policies/guidelines and external regulatory requirements
  • Assist/ Support in meeting Departmental KPIs
  • Assume responsibility of other relevant duties/assignment as and when directed/assigned by the superior as per business requirement from time to time

Skills and Experience

  • Degree in Finance/ Banking/ Accountancy/ Business Studies/ Administration/ Management/ Statistic/ Economics or any related disciplines
  • More than 5 years experience of Banking and/or any related working experience
  • Possess strong credit analytical skills and ability to undertake task independently
  • Sound knowledge of the Bank’s products and credit risk management including banking practices and procedures
  • Ability to multi-task, highly numerate with great attention to detail
  • Work cooperatively with the team and ensure that the team goals are met
  • Highly committed, self-motivated, resourceful and result-oriented
  • Knowledge in Microsoft Office

Culture And Benefits

  • People enjoy working in this business because the company practise a vibrant & energetic office culture
  • The company supports a fun yet balanced working environment
  • The company is a fair work-life balance which give our employee an oppurtunities for enhanced learning and our core business activities is improving others' lives through our work and services
  • Have a creative and innovative corporate culture that help our employees thrive - we work hard and play hard!

How to Apply

To apply online, please click on the appropriate link. Alternatively, please contact Faez Rahim at faez.rahim@randstad.com.my or call at 03-2036 7560 quoting Ref No.91M0125712



skills

no additional skills required

qualification

no additional qualifications required

educational requirements

Bachelor Degree