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.
JOB PURPOSE Assist HOD in credit acquisition of corporate loans/ financings to exceed targets as well as managing the team members.
JOB ACCOUNTABILITIES 1. CREDIT ACQUISITION • Work with HOD and lead the Team Members with a focus on originating deals, wallet sizing, and cross-selling on an 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. • The ultimate ownership of customer relationships 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 of NPL. • Provide customer-level information to relevant parties within the Bank. • Facilitate the drawdown of facilities.
5. STAFF DEVELOPMENT • Mentor and coach to the Assistant Relationship Manager(s) (ARM). • Identify training needs and recommend ARM for development training. • When and where necessary, guide and advise the ARM on their portfolio management.
6. COMPLIANCE WITH REGULATORY AND BANK POLICIES AND PROCEDURES • To comply with regulations and Bank’s internal policies and procedures and provide feedback to ensure better efficiency. • Ensure that client instructions are duly effected by applying all standard checks and controls and 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 reporting suspicious transactions. • Apply regulatory requirements such as KYC, AML/CFT, and procedures at all times.
7. ADDITIONAL RESPONSIBILITIES • Undertake additional responsibilities e.g. working committees etc. assigned by the immediate superior when required.
QUALIFICATIONS • Degree in Finance, Accounting, or equivalent. • Candidates with professional credit certifications such as PCC, CCE, BCP, and Chartered Banker will be an added advantage. • Minimum 6 years of banking experience with majority exposure to corporate banking and credit risk management.