About this role
Create the future with Affin! You too can make a difference.
We continuously innovate to transform our financial services landscape - making banking better and easier. Join us at AFFIN, where the open minds meet and be inspired by a shared commitment to great work. You too can make a difference.
Assist Head of Department in credit acquisition for corporate loans/ financings to exceed target as well as managing the team members.
ACCOUNTABILITIES:
1. Credit Acquisition • Work with Head of Department and lead the Team Members with a focus on originating deals, wallet sizing and cross-selling on existing portfolio, exceeding clients’ expectations and overall growth. • Work within the confines of the Risk Management framework.
2. Account Profitability • Maximize earnings potential and revenue of relationships. • Review and monitor revenue performance. • Multiple products sold to clients. • Managing portfolio’s ECL and ensuring asset quality of the portfolio.
3. Client Relationship Management • Support, identify, solicit and establish a high value client base for the bank • Ultimate ownership of customer relationship and customer interface • Activate opportunities and risk criteria. • Manage proactively a portfolio of corporate accounts by monitoring the status and credit risk of each account. • Internal coordination/liaison with service delivery centers / HQ departments to maximize process efficiency and customer satisfaction.
4. Service Management • Promptness in completing annual reviews, other credit submissions and preparation of Executive Summary, where necessary. • Ensure promptness and quality of credit processing • To present all annual review papers to Group Management Credit Committee. • Monitor overdue accounts and undertake prompt measures to prevent deterioration to NPL. • Provide customer level information to relevant parties within the Bank. • Facilitate the drawdown of facilities.
5. Compliance to Regulatory and Bank's Policies and Procedures • To comply with regulatory and Bank’s internal policies and procedures and provide feedback to ensure better efficiency. • Ensure that client instructions are duly affected by applying all standard checks and controls, coordinating with other departments including Operations/Finance/ Compliance. • Accurately assess the risk profile, suitability and appropriateness of clients when marketing products and services by maintaining an accurate and up to date call report. • To manage the application of AML/CFT internal programs and procedures including proper maintenance of records and to report suspicious transactions. • Apply regulatory requirements such as KYC, AML/CFT and procedures at all times
6. Additional Responsibilities • Undertake additional responsibilities e.g. working committees etc. assigned by the immediate superior when required.
QUALIFICATIONS AND EXPERIENCE:
• Degree in Finance, Accounting or equivalent. • Experience in auditing will be an added advantage • Candidate with professional credit certification such as PCC, CCE, BCP, Chartered Banker will be an added advantage. • Minimum 5 years of banking experience with majority exposure to corporate banking and credit risk management.