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Head of Credit Risk Unit, Risk Management Department

Head of Credit Risk Unit, Risk Management Department

Bangkok Bank BerhadKuala Lumpur, Kuala Lumpur, Malaysia
10 days ago
Job description

Head of Credit Risk Unit, Risk Management Department

The Head of Credit Risk Unit role under the Risk Management Department (RMD) comprises three main functions :

  • Credit-related matters – provides oversight and input on various credit-related matters, including credit-related policies and processes.
  • Head of Portfolio Management Unit (PMU) – PMU prepares the monthly Credit Risk Report for notification to senior management and oversees the preparation of the Risk Portfolio Report for notification to the Board of Directors. Among other duties, it conducts regulatory stress testing and oversees the ICAAP exercise, as well as conducts country risk assessments and limit setting.
  • Head of Risk Asset Review (RAR) – RAR assesses the performance and loan portfolio quality of Bangkok Bank Berhad and the effectiveness of its credit management process. RAR provides independent evaluation of credit portfolio and processes to identify potential weaknesses and enable rectification, in line with BNM's Credit Risk policy document.

Functional Responsibilities

  • Provide oversight and input on various credit-related matters, including credit-related policies and processes.
  • Work with PMU on the preparation of the Credit Risk Report, Risk Portfolio Report and various annual reviews of credit-related processes.
  • Work with PMU on the ICAAP process and various stress testing exercises.
  • Manage the post-approval lending review function by the RAR unit.
  • Prepare reports for submission to the Loan Committee, Risk Management Committee, Board of Directors and Parent Bank, including the Annual Loan Review Plan, Quarterly Loan Review Confirmation and Quarterly Loan Review Report.
  • Conduct reviews on ad-hoc requests approved under Discretionary Power.
  • Coach and mentor team members to achieve KPIs and reporting deadlines.
  • Organisational Responsibilities

  • Ensure submission of required reports to the Loan Committee, Risk Management Committee, Board of Directors, Parent Bank and Bank Negara Malaysia.
  • Act as Chairman for AAC (Appraisal Acceptance Committee) for independent collateral valuation for borrowers of BBB.
  • Act as liaison between BBB and various bodies on credit-related matters as necessary.
  • Other Functions

  • Other ad-hoc assignments, such as relief officer when the Head of RMD is away on leave.
  • Job Requirements

  • Minimum 15 years of working experience in credit-related roles, preferably on corporate / commercial portfolios in financial institutions.
  • Possesses recognised degree in banking / finance / business or any other related discipline. Relevant credit-related certifications (e.g. Certified Credit Executive / Business Credit Professional from AICB) would be an advantage.
  • Deep knowledge of BNM policies and guidelines related to credit matters. Expertise with the Capital Adequacy Framework (Standardised Approach for Credit Risk) would be an advantage.
  • Good credit analysis skills and experience in end-to-end credit processes in a financial institution with working experience in managing / evaluating loan portfolio for corporate / commercial customers.
  • Knowledgeable on related Accounting Guidelines on Provisioning matters, especially MFRS9.
  • Advanced knowledge of Microsoft Excel and PowerPoint would be an advantage.
  • Good planning, analytical and problem-solving skills with attention to detail.
  • Able to work independently and as part of a team.
  • Good communication and interpersonal skills to liaise with different levels of stakeholders.
  • #J-18808-Ljbffr

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    Head Of Credit • Kuala Lumpur, Kuala Lumpur, Malaysia

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