Manager, Credit Assessment & Review

Summary

Responsible for assisting, vetting and evaluating the Credit Proposal inclusive of financial information and determining the risk on all financing applications received from Sales & Marketing Team and reviewing of applicable existing accounts with aspiration to support the growth of SME Division’s Asset Portfolio i.e. Growth/Delinquency and Generate Revenue / Income in line with the KPI through prudent and timely analysis of the credit application.

Duties and Responsibilities

1. To assist in managing the process, evaluation and completion of the Credit Proposal within the unit

2. To perform vetting and evaluate the Credit Proposal received within the unit

3. To assist in the mitigation of the issue as highlighted / concerned / raised by Credit Management Division

4. To present and to seek approval from the respective Financing Committee

5. To perform vetting, verify and sign-off the Guarantee Notification Request for submission to SJPP for guarantee coverage on the approved credit application

6. To perform vetting and verify the Letter of Offer for issuance to Sales & Marketing Team 

7. To assist in any communication with Sales & Marketing Team and ensure all the documents required are properly submitted

8. To ensure that submission received from Sales & Marketing Team are within the accepted risk appetite in an effort to secure quality customers

9. To ensure that all processes and terms are duly complied within the standard turnaround time (TAT)

10. To ensure adherence and compliance to all internal policies/guidelines and external regulatory requirements

11. To ensure and maintain proper tools for easy tracking of application statuses and timeline

12. To deal with various units within the division or various division at HQ to assist in providing support to solve issues (as and when required)

13. Any other duties / assignments / responsibilities as and when directed / assigned by the superior as per business requirement from time to time.