Associate, Credit Assessment & Review, SME Banking Division

Overview

Associate, Credit Assessment & Review, SME Banking Division Responsibilities

Evaluate and process new and enhancement credit applications. Prepare and complete the Memorandum of Approval (MA) / Credit Proposal for submission. Address and mitigate issues highlighted or raised by the Credit Management Division. Present proposals and obtain approval from the relevant Financing Committee. Prepare Guarantee Notification Requests for submission to SJPP to secure guarantee coverage for approved credit applications. Draft the Letter of Offer (LO) for issuance to the Sales & Marketing Team (SMT). Liaise with the Sales & Marketing Team (SMT) to ensure complete and accurate documentation is submitted. Review submissions to ensure they align with the Bank’s risk appetite and support the acquisition of quality customers. Ensure all processes comply with internal turnaround times (TAT) and service standards. Ensure strict adherence to internal policies / guidelines and external regulatory requirements. Maintain and update proper records daily for all assigned accounts and proposals to ensure effective tracking and monitoring. Collaborate with various units within the division and across headquarters to resolve issues and provide support as needed. Perform any other duties, assignments, or responsibilities as directed by the superior in line with evolving business needs. Qualifications

Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or a related field. Minimum 2–5 years of relevant experience in credit evaluation, financing processing, or corporate / commercial banking. Strong analytical and credit risk assessment skills. Familiarity with SJPP and other government guarantee schemes is an added advantage. Good understanding of financial statements and business operations. Excellent written and verbal communication skills. High attention to detail with strong organizational and time-management abilities. Ability to work independently and collaboratively across teams. Proficient in Microsoft Office applications (Excel, Word, PowerPoint). Knowledge of internal credit systems and regulatory requirements will be an advantage.

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