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Job Summary:

The role is responsible for evaluating credit applications and memos submitted by Business Units and providing sound recommendations to the approving authority to support informed and prudent credit decisions. 

Job Accountabilities:

• Evaluate credit proposals submitted by Business Units and provide recommendations to the approving authority and/or credit committee to facilitate informed decision-making. 

• Review and validate credit ratings to ensure accuracy and consistency. 

• Identify and highlight credit exceptions, ensuring exposures remain within approved thresholds and the Bank’s risk appetite. 

• Assess and recommend appropriate MFRS 9 staging levels in line with accounting standards and risk indicators. 

• Analyse and comment on key risk areas including facility structure, financial risk, business risk, industry risk, and repayment capacity. 

• Review and assess the borrower’s cash flow projections for reasonableness and sustainability. 

• Engage with Business Units to promote sound credit culture, reinforce risk-return discipline, and encourage adoption of best practices in credit assessment. 

• Ensure compliance with internal policies and regulatory requirements in the execution of duties. 

• Present and articulate independent credit views and recommendations to the approving authority and/or credit committee to support acceptance and sound credit decisions.

Job Requirements:

• Bachelor’s degree in a relevant field (e.g., Finance, Accounting, Economics, Business). 

• Minimum 8 years of hands-on experience in managing non-retail corporate or wholesale credit, either as a corporate banker or credit analyst/approver. 

• Prior experience in preparing and evaluating credit papers for corporate banking products is essential. 

• Prior involvement in corporate credit appraisal or approval is highly desirable. 

• Professional certifications such as CCP, BCP, Omega, ACCA, CPA, ICAEW, or CFA are advantageous. 

• Strong credit analytical skills, including financial statement analysis and cash flow forecasting. 

• Solid understanding of industry dynamics, market trends, and general business environment. 

• Effective negotiation and communication skills to address credit-related matters with Business Units. 

• Ability to work under pressure in a fast-paced environment while maintaining high standards of accuracy and judgment.