Credit Assessment & Review - SME Banking Division

Duties & Responsibilites

• Process, evaluate, and complete the Memorandum of Approval (MA) / Credit Proposal for new and enhancement financing applications.
• Mitigate issues raised by the Credit Management Division to ensure smooth application processing.
• Present credit proposals and seek approval from the Financing Committee.
• Prepare Guarantee Notification Requests for SJPP.
• Draft Letters of Offer (LO) for submission to the SMT.
• Conduct rigorous business credit assessments and thorough financial analysis.
• Communicate proactively with SMT to ensure timely and accurate document submission.
• Ensure all submissions comply with the bank’s risk appetite and credit policies.
• Adhere to standard turnaround times (TAT) for credit evaluation processes.
• Maintain up-to-date market awareness and monitor industry trends relevant to credit risk.
• Detect and report any fraudulent documents or misinformation during credit assessment.
• Collaborate closely with the Credit Management team to identify, assess, and mitigate credit risks.
• Maintain structured tracking and documentation of assigned accounts and proposals.
• Engage with SME Banking and other relevant divisions to resolve credit-related issues effectively.
• Contribute to the continuous improvement of credit policies, procedures, and methodologies.
• Present credit proposals to the Financing Committee (Committee A & B) for decision-making.
• Prepare and conduct annual review papers and ad hoc credit assessments.

Job Requirements

• Bachelor’s degree in Business, Accounting, Finance, Banking, Economics, Law, or a related discipline.
• Minimum of 4 years of relevant experience in banking, preferably in sales & marketing, credit processing, or credit evaluation.
• Strong product knowledge related to credit processing, credit evaluation, documentation, and Shariah compliance.
• Proficient in credit assessment and risk evaluation techniques.
• Solid understanding of financial statement analysis.
• Ability to accurately assess and mitigate credit risks.
• Customer-oriented mindset with excellent service skills.
• Resourceful, creative, and able to work independently to solve problems.
• Excellent negotiation, communication, and interpersonal skills to liaise effectively with internal teams and customers