Credit Surveillance Officer - Sales Support, SME Banking Division

Duties & Responsibilities

Division’s Credit Surveillance
• To conduct credit surveillance for Sales Distribution nationwide team with responsibility to conduct Hubs and regional visit and scrutinizing the credit papers.
• Independently review and assess identified problematic accounts to identify issues and irregularities within the end-to-end process as per Credit Policy, Procedures and Guidelines, Credit Risk Governance and relevant Regulatory requirements.
• To undertake independent judgment on the credit quality of the proposal and to highlight and warrants Management on the findings and propose a recommendation for appropriate mitigation
• Cross check on the credit risk underwriting by SME Banking is as per the credit risk appetite stipulated by the division and CMD
• Ensuring the credit underwriting for SME Banking is at par with the industry and bank standard.

Division’s Audit liaison Officer
• Audit liaison officer and officer-in-charge of Division’s audit matters. Dealing with Group Internal Audit, Compliance and Shariah Audit, Group Compliance, Group Risk Management and external Auditors e.g Price Water House Coopers and KPMG.
• To review and verify the completeness and timely delivery of all relevant documents and communications
• To satisfactorily manage the internal control and to ensure audit findings are resolved within the target date set in the final audit report.
• Responsible for ensuring SME Banking's full compliance with all regulatory guidelines issued by BNM and internal bank policies, including adherence to all relevant SOPs. To identify any potential issues or discrepancies.

Division’s Business Continuity Management (BCM) Coordinator
• Take a proactive approach to monitor regulatory changes, and internal Group Policies. Recommend necessary adjustments to policies, procedures, and governance frameworks.
• To prepare Division Business Continuity Plan (BCP) (where applicable)
• To prepare, review and ensure completeness of Division’s Business Impact Analysis (BIA); to identify critical business functions, assess potential risks, and determine the impact of disruptions to these functions.
• To prepare, review and ensure completeness of Division Risk Assessment (RA); to identify, assess, and prioritize risks Develop and implement risk mitigation strategies. Monitor and report on risk exposures and conduct regular risk assessments to identify emerging risks.

Division’s Organisational Anti-Corruption Plan (OACP) Officer.
• Promotes integrity and reduce the corruption risk to increase business effectiveness and efficiency and maintaining transparency in all business transactions.
• Strengthening SOP towards good governance and inculcate integrity, compliance culture and accountability in workplace.
• To ensure effectiveness of processes in preventing corruption, enhancing credibility of the Second and Third Lines of Défense and Managing shareholder's interference and expectations.

Division Operational Manual
• Lead Working Committee on SME Banking Division Operational Manual and Departments SOPs - To maintain a high standard of Compliance, ensure that all Division Manuals and Department SOPs are current and up to date. Conduct regular reviews of the documents and provide guidance to staff on compliance matters.
• Conduct Standard Training - To conduct a standard training for the new joiners pertaining to the Division Manual and Guidelines (high-level).

Other Tasks
• Monitor SME Banking Division staff claims & overtime - to conduct an independent review & investigation on suspicious claims & overtime and report to the Division Head & CBO’s Office.
• Ad-Hoc Projects & Initiatives assigned by Director, SME Banking Division.

Job Requirements

1. Bachelor’s Degree in Finance, Accounting, Business Administration, Risk Management, or related field.

2. Work Experience - Minimum 5–8 years of experience in:

• Credit risk assessment or credit underwriting, preferably in SME Banking.
• Internal audit, regulatory compliance, or risk governance roles.
• Familiarity with Business Continuity Planning (BCP) and risk assessments.

3. Technical & Functional Skills

Strong understanding of:

• Credit policy, credit risk governance, and regulatory requirements (BNM guidelines).
• SME credit underwriting standards and credit risk appetite frameworks.
• Internal audit processes and regulatory compliance requirements.
• Business Impact Analysis (BIA) and Risk Assessments (RA) methodologies.
• Anti-Corruption policies and organizational integrity practices.
• Ability to analyze and interpret financial statements and conduct independent credit assessments.
• Skilled in writing, updating, and implementing SOPs, operational manuals, and compliance frameworks.

4. Communication & Interpersonal Skills

• Strong report writing, documentation, and presentation skills.
• Ability to liaise effectively with auditors, compliance, and risk teams.
• Experience in training and coaching staff, especially new joiners.

5. Analytical & Problem-Solving Skills

• Sharp attention to detail with a critical eye for identifying irregularities and potential risks.
• Ability to evaluate control weaknesses and recommend practical mitigation strategies.

6. Organizational & Project Management Skills

• Ability to manage multiple tasks and ad-hoc initiatives simultaneously.
• Strong project coordination and follow-through skills, especially on audits and compliance issues.
• Experience leading working committees or governance documentation efforts.

7. Personal Attributes

• High integrity, strong sense of ethics, and commitment to governance and transparency.
• Independent and objective mindset, capable of making sound judgments.
• Resilient, adaptable, and proactive in managing regulatory and organizational changes.