JOB OVERVIEW
The employee will be responsible for mitigating credit risk of the Bank to an optimum level by thorough review of credit application on key credit risk areas and provide sound recommendation to approving authority.
JOB DUTIES & RESPONSIBILITIES
- Conduct assessment on quality of loan applications submitted by BUs then highlight all risk concerns and provide sound recommendations to approving authority for decision making.
- Check and validate provided documentation and information including but not limited to the purpose of fund utilization, business registration and ownership, financial documents, collaterals, etc. to ensure all credit proposals are in compliance with all requirements in relevant policy/regulation.
- Communicate the approval decision to respective Relationship staff.
- Manage turnaround time of evaluation of each case at the target SLA
- Work closely with Relationship staff on rectifying information after validation and advise on possible solutions.
- Review change request submitted by BUs to discuss with the line manager and circulate for approval.
- Review disbursement request on fulfillment of pre-disbursement condition and circulating for approval.
- Assess Credit Review submitted by BUs on relevant criteria to discuss with Line Manager and circulate for approval.
- Regular report on cases reviewed and in process.
- Continuously develop self-competency through on-the-job training and attend courses nominated by the line manager.
- Perform the assigned tasks with high integrity and professional conduct.
- Perform other related duties assigned by the Management.
PERSON SPECIFICATION KNOWLEDGE & EXPERIENCES
- Holding at least bachelor’s degree in Banking & Finance, Accounting, or related field
- Obtaining at least 3-year Credit experience and more than 01 year in Credit Assessment
- Having acceptable knowledge in good credit practices, customer protection concept, and responsible lending to avoid negative impact on environment and society.
- Being able to produce and present necessary reports using computer applications such as Ms. Word, Ms. Excel, Power Point, etc.
- Experiencing in a competitive working environment
