About this role
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JOB PURPOSE
Lead and oversee the end-to-end administration and disbursement of Non-Retail financing facilities, ensuring compliance with approved credit terms, regulatory requirements, legal documentation, and governance standards. Responsible for supporting financing portfolios across Corporate Banking and Enterprise Banking, managing pre- and post-disbursement activities, ensuring timely service delivery, and driving operational excellence, standardisation, digitalisation, and continuous process improvement.
JOB ACCOUNTABILITIES
1. Facility and Limit Setup
• Create and maintain customer facility records in the banking system. • Set up approved limits, sublimits, expiry dates, utilisation controls, and availability periods. • Ensure system records are consistent with approval terms and executed documents. • Process approved amendments, cancellations, reductions, and renewals. • Prevent utilisation of expired, unapproved, or incorrectly established facilities. 2. Documentation Management
• Prepare or coordinate facility agreements, letters of offer and security documents. • Liaise with internal legal counsel, external solicitors, relationship managers, and customers. • Review executed documents for completeness, validity, and enforceability. • Confirm that documents are properly signed, witnessed, stamped, and registered. • Safeguard original legal and security documents. • Maintain a complete document register and retrieval process. 3. Security and Collateral Administration
• Verify ownership and legal capacity of security providers. • Ensure that charges, assignments, guarantees, debentures, mortgages and other securities are properly perfected. • Record collateral values, ranking, coverage, and registration details. • Monitor insurance policies, valuations, title searches, and security expiry dates. • Track collateral substitutions, releases, partial discharges, and further charges. • Ensure security releases are made only after the relevant facilities and obligations have been fully settled or properly approved. 4. Conditions Precedent and Disbursement Control
• Verify compliance with all conditions precedent before first or subsequent disbursement. • Confirm that required equity contributions, approvals, permits, contracts and supporting documents are in place. • Validate the purpose and amount of each drawdown. • Review invoices, certificates, redemption statements and payment instructions where applicable. • Ensure that disbursements are made directly to approved parties where required. • Obtain independent confirmation of satisfaction of conditions before releasing funds. • Escalate exceptions and obtain proper approval before any waiver or deviation. 5. Ongoing Covenant and Condition Monitoring
• Track financial, operational and information covenants. • Monitor submission of audited accounts, management accounts, compliance certificates, and other required information. • Track conditions subsequent and outstanding documentation. • Monitor facility availability periods, maturity dates and annual / interim review dates. • Notify relationship managers of upcoming deadlines and breaches. • Escalate unresolved breaches, expired facilities, and overdue reviews. 6. Insurance and Valuation Monitoring
• Ensure that secured assets are adequately insured. • Confirm the bank is named as loss payee or charge holder where required. • Monitor policy expiry dates, premium payments, and adequacy of coverage. • Arrange or track periodic collateral valuations. • Escalate significant declines in collateral value or lapses in insurance coverage. 7. Agency and Syndicated Loan Administration
• Administer syndicated and club facilities where the bank acts as agent. • Coordinate drawdowns, repayments, interest periods, and lender notices. • Maintain lender participation records. • Distribute principal, interest, fees and relevant information to participating banks. • Track voting requirements, amendments, waivers, and consent decisions. • Ensure compliance with the facility agreement and agency obligations. 8. Repayment and Facility Maintenance
• Monitor scheduled principal, interest, and fee payments. • Process rollovers, extensions, conversions, and repayments. • Reconcile facility balances and utilisation records. • Track outstanding amounts, excesses, and unauthorised drawings. • Coordinate facility closure after full settlement. 9. Exception and Breach Management
• Maintain registers of documentation deficiencies, covenant breaches and approval exceptions. • Track temporary waivers and their expiry dates. • Escalate material or long outstanding exceptions to management. • Prevent repeated operational exceptions from becoming accepted practice. • Provide periodic exception reports to Credit, Risk, Business, and relevant committees. 10. Problem Account Support
• Provide complete documentation and security records for watchlist, impaired or recovery accounts. • Assist in confirming outstanding exposure and security positions. • Support restructuring, rescheduling, enforcement, and recovery actions. • Suspend or restrict further utilisation when instructed by authorised parties. • Coordinate documentation for revised or remedial facilities. 11. Regulatory and Policy Compliance
• Ensure compliance with applicable banking laws, regulatory requirements, and internal credit policies. • Support requirements relating to customer identification, sanctions, anti-money laundering and beneficial ownership where relevant to credit administration. • Maintain complete audit trails and records. • Support regulatory reporting, internal audit and external audit reviews. • Implement corrective actions arising from audit and regulatory findings. 12. Management Information and Reporting
• Produce reports on expiring facilities, overdue reviews, outstanding documents and covenant breaches. • Report collateral shortfalls, insurance lapses, excesses, and unauthorised utilisation. • Monitor turnaround times for documentation, limit setup, and disbursement. • Provide portfolio administration data to Credit Risk, Finance, and senior management. • Analyse recurring operational issues and recommend process improvements.
JOB REQUIREMENTS
• At least a Bachelor’s Degree or recognised professional qualification in Finance, Banking, Accounting, Business, Law or related discipline. • Minimum 15 years’ relevant banking experience, preferably including at least 5 years in a managerial/leadership capacity. • Significant experience in Corporate/Business Financing Credit Administration, financing documentation, securities, credit operations and disbursement. • Strong experience in managing complex and/or high-value Non-Retail financing transactions. • Strong understanding of banking and legal procedures, BNM requirements, FSA/IFSA and other relevant regulatory requirements. • Proven experience managing sizeable teams and multiple operational activities. • Experience in process re-engineering, Lean/continuous improvement, digitalisation or operational transformation would be advantageous.