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 Head of Department in credit acquisition of corporate loans to exceed target as well as managing the team members.
Accountabilities Credit Acquisition • Lead the Team Members with a focus on originating deals, exceeding clients expectations and overall growth. • Work within the confines of the Risk Management framework.
Account Profitability • Maximize earnings potential and revenue of relationships • Review and monitor revenue performance • Multiple products sold to clients
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
Service Management • Ensure promptness and quality of credit processing • 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.
Staff Development • Mentor and coach to the Credit Analyst (CA) • Identify training needs and recommend CA for development training. • When and where necessary, to guide and advise the CA of his portfolio management
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 effected 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.
Qualifications and Experience • Degree in Finance, Accounting or equivalent • Candidate with professional credit certification such as PCC, CCE, BCP, Chartered Banker will be an added advantage. • Minimum 3 years of banking experience with majority exposure to corporate banking and credit risk management.