Key Responsibilities:
- To perform evaluation and credit decisions in respect of loan applications received from AFC is in line with the Bank’s Credit Policy and Guidelines/Business Rules.
- To ensure timely credit decision and maintain high standard level of asset quality of the customers within credit risk appetite of the bank.
- To ensure the credit decisions are made within personal to holder of the granted delegated authority and to prudently exercise the over-riding of the exception cases.
- To improve efficiency and effectiveness of RCRM-Auto continuously in providing services to AFC in order to meet the standard imposed by the Bank.
- Review and assess appeal cases, customer’s request for change in credit terms, e.g. loan amount, interest rate, period of loan, etc.
- Continuously educate and monitor AFC’s performances and underwriting skills.
- To ensure knowledge and skills are competent through training as well as participation and staff engagement in the department / Bank as a whole.
- To conduct Quality Assurance for Straight Through Process and Quality Approval for cases approved by AFC.
- To support ACS CR, UAT, Production defects and resolution.
- Assist in revision of credit guidelines, SOP and monthly reports.
- Other duties and responsibilities as and when requested by superior
Job Requirements
- Recognized Degree/ Masters in Economics, Finance, Business Administration, Accounting or banking related disciplines. Preferably with CCP IBBM / CCE AICB qualification
- Preferably experienced in Credit or Audit
- Credit experience of minimum 5 years
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Possess good, related credit knowledge covering: -
a) Credit and its regulatory framework
b) Credit Risk Management (quantitative and qualitative)
c) Principles of Lending
Skills Required
- Recognized Degree/Masters in Economics, Finance, Business Administration, Accounting or banking related disciplines
- CCP IBBM / CCE AICB qualification
- Credit experience of minimum 5 years
- Good knowledge of credit regulatory framework
- Knowledge of Credit Risk Management
- Understanding of Principles of Lending
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What We Do
CIMB Group is a leading ASEAN universal bank, one of the largest Asian investment banks and one of the world's largest Islamic banks. We are headquartered in Kuala Lumpur, Malaysia and offer consumer banking, commercial banking, wholesale banking, Islamic banking, and asset management products and services. As the fifth largest banking group in ASEAN, we have over 36,000 staff in 16 locations across ASEAN, Asia and beyond. CIMB Bank and CIMB Islamic Bank are members of PIDM.
