Job Description

Job Purpose:

• Conduct review and investigation, including market intelligent checks on accounts identified via early warning triggers and tools in a timely manner to allow early detection of weak / problem credits for immediate remedial initiatives to prevent / reduce delinquency / credit losses.
• Proactive identification and undertaking of rehabilitation function to ensure timely recovery of loans, preventing deterioration of loan quality and also in anticipation of changes in market forces which could impact loan quality.
• Effective management of potential non-performing loans by encouraging “work out culture” (to rehabilitate account) to assist viable customers to prevent account from turning non-performing.
• Promote the Bank’s values in creating long term partnership with our clients and at the same time maximizing the collection, rehabilitation and recovery rate.

Job Responsibilities:

• Conduct review and investigation including market intelligent checks on accounts identified via early warning triggers and tools to assess / evaluate customers risk profile to identify weak / problems credit for early remedial actions.
• Timely preparation of early warning investigation reports to management for decision making.
• Monitor and track portfolio performance to provide accurate and timely management/ portfolio reports / information.
• Undertakes rehabilitation processes for SME Banking portfolio and ensures strategies and tools are being effectively and efficiently executed/ communicated to related departments and to customers on timely manner.
• Responsible for the effective and efficient implementation of rehabilitation strategies and procedures in compliance with the existing internal/external guidelines on SME Banking portfolio.
• Responsible for the timely reporting of rehabilitation activities to TL & HRM.
• Contribute to the continuous flow of lesson learnt and feedback to various related units such as Sales/ Risk Management units to improve the robustness of underwriting standard on an on-going basis.
• Execute/encourage team work, open communication/feedback, and personal growth.

Job Requirements:

• At least 3 years in the banking environment with emphasis in credit / sales (Manager)
• At least 5 years in the banking environment with emphasis in credit / sales (AVP)
• Well verse in BNM regulatory guidelines
• Knowledge of credit evaluation / legal documentation / general recovery processes
• Product knowledge (Types of credit products/legal documentation)
• Proficiency in Windows (Word / Excel)
• PCC certifications (CCE & BCP) is a plus point
• Good knowledge of judicial/legal systems and other related loan management matters
• Good credit evaluation/ assessment skills
• Good communication & negotiation skills
• Ability to work closely with all other relevant parties

Job Requirements