Deputy Manager, Stress Account Management & Post-Mortem Review

Duties and Responsibilities

1. Conducting post-mortem review (PMR) on new/existing impaired account or any ad-hoc review with the objective to appraise if any weaknesses in credit assessment at new credit application level, post lending monitoring and assessment in subsequent credit review, determine possible causes of credit deterioration by performing the following:
   • Reassess the customer’s financial strength/ repayment capability and terms and conditions at the point of origination/ approval/ review.
   • Assess if risks highlighted by Credit Risk Analysts have been adequately/ properly mitigated.
   • Highlight weaknesses in the structuring of the credit facility to ascertain if it is consistent with the purpose of the financing.
   • 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.
   • 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.
2. Undertake Stress Account Review (SAR) on customer with high and medium risk classification and if any, to propose appropriate recommendations for Business Teams for further action to protect the Bank’s asset quality.
   • Identify underlying problems and concerns that lead to deterioration of customer risk profile and/or caused financial stress to the customer to alleviate further deterioration to asset quality.
   • Propose/recommend strategies and appropriate action plan to minimize and/or mitigate risk that can lead to impairment and subsequently financial loss.
   • Work closely with respective internal stakeholder on managing SAR under Watchlist (WL) to manage asset under exit strategy out of books to manage impaired ratio, provision within the agreed budget, and preserve asset quality.
3. To set out the recommendations and lesson learnt of what needs to be done to prevent lapses, if any, from recurring. Challenge processes, procedures, and policy together with Head, NRSAM if there is opportunity for efficiency improvement.
4. Preparation of the results/report on the SAM & PMR outcome for Senior Management, Risk Management Committee (RMC), Management Risk Control Committee (MRCC) and Board Risk Committee (BRC), whichever is applicable.
5. Conducting and facilitating knowledge sharing session with relevant key stakeholder or any related team/department/Division on bi-annually.
6. Providing assistance and support toward Department/Division KPIs by:
   • Driving appropriate culture and values of BIMB.
   • Working in collaboration with other stakeholders e.g., Corporate, Commercial, SME, Credit Management, Credit Administration etc. to effectively embed a strong culture of risk awareness and good conduct for SAR & PMR.
   • Continually strive for self-development with the necessary knowledge, skills, and tools to achieve the required level of competency for the assigned role.
7. Ensure adherence and compliance to all internal policies/guidelines and external regulatory requirements by:
   • Displaying exemplary conduct and live by BIMB values and code of conduct.
   • Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conducts across the Bank.
   • Effectively and collaboratively identify, escalate, mitigate and resolve any risk on conduct and compliance in the department.
8. Attend training or course as approved by the Bank.
9. Performing any other duties/ assignment as and when directed/assigned by the superior as per business requirement from time to time.

Preferred Candidate Criteria:

1. Qualification - Degree in Finance/ Banking/ Accountancy/ Business Studies/ Administration/ Management/ Statistic/ Economics or any related disciplines. Additional professional certification by professional bodies e.g. AICB would be an advantage.
2. Years of Experience – 5 to 10 years in Banking/Financial industry environment with exposure to Non-Retail financing.
3. Knowledge/Skills/Experience preferred:
   • Possess strong credit analytical skills in commercial & corporate environment (credit evaluation and/or credit recovery) and able to undertake perform task independently.
   • Sound knowledge of credit life cycle, Bank’s products (Non-Retail) and Credit Risk Management including banking practices and procedures.
   • Ability to multi-task, highly numerate with great attention to detail.
   • Highly committed, self-motivated, resourceful, team player and result oriented.
   • Knowledge in Microsoft Office.