Hybrid Director, Post-Approval Credit Review bei AFFINBANK

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Job Purpose

• To assist to plan, manage and to conduct Post Approval Credit Review (“PACR”) on accounts sampled as per PACR guidelines and Independent Credit Review ("ICR") manual, in compliance with the requirements specified in BNM policy on Credit Risk and internal credit policies to ensure that credit decision-making remains consistent with the Bank’s overall credit risk management arrangements.
• To assist to plan, manage and to conduct Post-mortem Credit Review (“PMR”) on all newly and relapsed impaired accounts.
• Escalate, report credit review findings, recommendations and presenting the PACR and PMR reports to senior management, Group Board Risk Management Committee (GBRMC) and Group Board Audit Committee (GBAC).
• To conduct sharing sessions with various stakeholders to educate them on the learning points gained from PACR and PMR.
• To undertake special assignments / ad-hoc task arising from specific requests from Management / Board.

Responsibilities

• To assist in establishing independent credit review plan and work program and to conduct post approval credit review work in accordance with the objectives, established standards, approved credit review plan and work program.
• To assist in establishing post-mortem review plan and work program and to conduct Post-mortem Credit Review (“PMR”) on all newly and relapsed impaired accounts for both Retail and Non-Retail loans/financing.
• Ensure that the scope, depth and frequency of credit review work commensurate with the significance of the segment or business activity to the Bank’s credit risk profile.
• Identify and highlight credit risk issues, weaknesses and vulnerabilities to respective Business Units for their response and remedial actions. Where appropriate, make recommendations to mitigate the risk(s) identified and/or rectify the issues highlighted.
• Establish lessons learned from credit issues / weaknesses identified in the course of conducting the independent credit review.
• Prepare, submit and present credit review report on a timely basis to senior management, Group Board Risk Management Committee (GBRMC) and Group Board Audit Committee (GBAC).
• Organise/participate in sharing sessions/workshops to various stakeholders on key lessons learned from past credit failures with the objective of minimising recurrence of such mistakes.
• Assist in the review and update the credit review plan and work program on regular basis to ensure they remain current and relevant.
• Review and provide value added feedback to enhance credit risk strategy, credit risk policy, annual credit plan and product programs. 
• Review the development of annual credit plan, lending guidelines and benchmarks for new acquisitions and existing customer management to ensure they remain within acceptable risk framework.
• Develop and Implement Quality Assurance Measures: Establish and implement quality assurance measures to ensure the accuracy, completeness, and consistency of credit review processes and reports. This involves conducting periodic reviews and audits of credit review activities, identifying areas for improvement, and implementing corrective actions to enhance the effectiveness of the review function.
• Provide Training and Guidance: Develop and deliver training programs and workshops to enhance the knowledge and skills of team members involved in credit review activities. Provide ongoing guidance and support to ensure team members are equipped to conduct thorough and insightful credit reviews in accordance with established standards and best practices.
• Perform any other duties as and when assigned by Head of Division.

Job Requirements

• Degree in Finance/Business Admin/Accounting or Economics.
• Possess Credit Certification such as CCP, BCP, CCR, PET, BBC, BRC or Chartered Banker
• More than 10 years’ experience in credit review/analysis and/or credit appraisal/approval functions, covering corporate, commercial and retail loans/financing. Experience in independent credit review is an added advantage.
• Strong skillset in credit risk assessment, financial analysis and risk management.
• Sound knowledge in credit products, credit policy & procedures and regulatory requirements.
• Good interpersonal skills.
• Inquisitive with strong analytical skills.
• Good report writing and communication skills.
• Proficient in navigating the intricate intersection between risk management and business needs, offering a pragmatic approach to deliver effective solutions.
• Proficient in Microsoft Office – Word, PowerPoint and Excel