Here's a job description for a Senior Credit Manager at RHB Bank Berhad:
Senior Credit Manager, RHB Bank Berhad**
Job Summary**
The Senior Credit Manager will be responsible for overseeing and managing a portfolio of complex credit facilities, ensuring sound credit assessment, risk mitigation, and compliance with internal policies and regulatory requirements. This role involves leading a team, providing expert credit advice, and contributing to the bank's overall credit strategy.
Job Responsibilities**
* Conduct in-depth credit assessments and financial analysis for complex corporate and commercial credit applications, including syndicated loans, project financing, and structured facilities.
* Review and approve credit proposals within delegated authority limits, ensuring adherence to credit policies, procedures, and risk appetite frameworks.
* Develop and implement robust credit risk mitigation strategies, including collateral management, covenant structuring, and ongoing monitoring of portfolio performance.
* Monitor and manage a designated loan portfolio, identifying early warning signs of credit deterioration and recommending appropriate remedial actions.
* Collaborate with business development teams to understand client needs and provide tailored credit solutions while maintaining credit quality.
* Stay abreast of industry trends, economic conditions, and regulatory changes affecting credit risk management.
* Prepare and present credit reports and analyses to senior management and credit committees.
* Ensure compliance with Bank Negara Malaysia (BNM) guidelines and other relevant regulatory requirements.
* Participate in the enhancement of credit policies, procedures, and systems.
Job Qualifications**
* Bachelor's degree in Banking & Finance, Accounting, Economics, Business Administration, or a related field. A Master's degree or professional certifications (e.g., CFA, FRM) is a plus.
* Minimum of 8-10 years of progressive experience in credit risk management within the banking or financial services industry, with at least 3-5 years in a leadership or supervisory role.
* Proven expertise in corporate and commercial credit analysis, financial modeling, and risk assessment for various industries.
* Strong understanding of banking products, lending practices, and regulatory frameworks (e.g., BNM guidelines, Basel III).
* Excellent analytical, problem-solving, and decision-making skills.
* Demonstrated ability to lead, motivate, and develop a team.
* Exceptional communication, interpersonal, and presentation skills.
* Proficiency in financial software and Microsoft Office Suite, particularly Excel.
* High level of integrity and a strong commitment to ethical practices.
Top Skills
What We Do
We are a multinational regional financial services provider that is committed to deliver complete solutions to our clients through differentiated segment offerings and an ecosystem that supports simple, fast and seamless customer experience, underpinned by cohesive and inspired workforce and relationship built with stakeholders Headquartered and listed in Malaysia, RHB Banking Group is the longest established local bank, formed though the mergers of several banks, the oldest of which was founded in 1913. RHB Banking Group and its subsidiaries provide a full range of services ranging from retail banking, business banking, corporate and investment banking, Islamic banking, transaction banking to treasury, insurance, asset management, private equity and stockbroking services. TOGETHER WE PROGRESS Our strong heritage is the foundation of our commitment to continue serving the community. For over a 100 years, we have been helping people and businesses grow and succeed, and will continue to do so. Our experience gives us an in-depth understanding of the needs of our customers and partners, inspiring us to constantly innovate and improve to serve them better. With their unending support, we have established ourselves with a strong footprint throughout Malaysia and we are now present in 9 other countries across the ASEAN region. We hope our legacy and pursuit for excellence continues as we tirelessly cultivate and nurture the next generation through our actions and words, preparing a brighter future ahead. We thank those who believe in us and welcome everyone to join us on our exciting journey of progress. The time has come for us to move forward in unison, to realise our greater potential together. Our new brand promise "Together We Progress” honours our past, celebrates the present and welcomes the future. We invite you to join us as we work towards a better and brighter future for all.
