Senior Manager, Credit Post-Approval, Group Risk Management

Duties & Responsibilities

• Performed sampling activities on approved (i.e. New, Review, Reschedule & Restructuring) Corporate, Commercial, SME and consumer accounts based on CPA sampling methodologies.
• Conduct independent post credit reviews on Corporate, Commercial, SME and consumer business units that cover the following:
  • Provide in depth assessment on credit evaluation to ascertain the quality, credit risks compliance with internal policies, lending guidelines and statutory/regulatory requirements.
  • Review sufficiency of information provided by business units for decision making.
  • Review that all relevant credit risks are covered and in line with the Bank’s risk appetite, Credit Guidelines and Financing Process are followed with any exception/deviation properly documented and approved at the appropriate level.
  • Liaise with relevant department/division (i.e. Shariah Advisory, PMD, FD etc.) prior to issuance of queries to respective Business Unit that consist of department / division (Business Units/CMD/Corporate Recovery/CAD and etc.).
  • Issue queries to the relevant Business Unit and evaluate the reasonableness of their response.
  • Liaise with the relevant department/division and propose corrective action plan when necessary for improvements on internal controls.
  • Follow up on outstanding issues with a view to resolving them until closure.
  • The reviewer is to consolidate all valid findings raised together with replies from the respective party(ies) for preparation and report submission to BRC.
• Obtain adequate supporting document / evidence. Supporting document / evidence must be sufficient, reliable, relevant and useful to the review.
• Document the observations, either through findings or improvement recommendations, and obtain management comments, if necessary.
• Discussed with HOD and obtain direction on each team’s findings prior to the exit meeting.
• Plan and participate in the discussion of exit meetings.
• Ensure proper and adequate working papers are kept once review is completed for filing purposes.
• Finalized and follow up on all observations.  Ensure material deficiencies are followed up until resolved.
• Prepare a comprehensive Credit Post Approval Review Report. 
• Ensure professionalism, objectivity, integrity and ethics are maintained at all times.
• Attend internal/ external training as volunteered or nominated by the HOD.
• Ensure adherence and compliance with all internal policies/guidelines and external regulatory requirements.
• On an ad-hoc or invitation basis, CPA will conduct independent assessment on credit related matters in respect of new products / services / process and its changes. Any risk / issues identified will be communicated to BU/SU and respective stakeholders for acknowledgement and appropriate action.
• To conduct carry out any duty or ad-hoc assignment assigned by HOD.

Qualification

• Chartered Banker (CB) is preferred.
• Certification for Bank Auditors (CBA) is preferred.
• Professional Credit Certification (PCC) is preferred.
• CCP (business) is preferred.
• Professional qualification (ACCA, CIMA) or masters is preferred.

Years of Experience

10 years of experience in Banking (Credit Risk / Credit Audit) and/or any related working experience.

Specific Skills/Knowledge

• Microsoft office (Words, Excel, PowerPoint)
• Assertive and innovative team player, highly independent, committed, self-motivated, resourceful and result-oriented 

• Degree in any related discipline i.e. accounting, banking and finance.