Assistant Manager, Real Estate Risk & Policy

  • Competitive
  • Kuala Lumpur, Federal Territory, Malaysia
  • CDI, Plein-temps
  • Standard Chartered Bank Malaysia Berhad
  • 19 janv. 18 2018-01-19

Assistant Manager, Real Estate Risk & Policy

Leading the way in International Banking. We support the people and companies driving investment, trade and wealth creation across Asia, Africa and the Middle East. And our heritage and values are expressed in our brand promise - here for good. See our Brand and Values

We are currently looking for Assistant Manager, Real Estate Risk & Policy

Job Purpose:

  • Accountable for collateral valuation and collateral management to support good portfolio growth of mortgage portfolio.
  • Identifying, development, reviewing and implementation of RETSO policies and risk management strategies to achieve the bank's risk and return objectives.
  • Provide support to Marketing and Sales in existing and new product and services in areas of expertise and continuous liaison with all support centers eg: Credit Initiation, Collection Operations, Risk PM&F etc to meet business objectives.


Key Roles & Responsibilities:
  • Accountable for collateral valuation and collateral management to support good portfolio growth of mortgage portfolio.
    • To manage and enhance appraisal policy and process to be in line with group policy.
    • Emplacement and removal of Panel Appraisers, through annual renewal exercise
    • Monitoring of Appraiser performance including report quality, accuracy of market value, complaints raised, valuer delinquency analysis and to conduct site visit to appraiser company
    • Tracking business allocation to the Appraisers
    • Reviewing deviation request raised from sales
    • Annual portfolio review and monitoring - Property Price Index for BASEL & stress test
    • Educate valuers with regards to Bank requirement and maintain good rapport with panel valuers
    • Assists stakeholders i.e. sales personnel, underwriters and PAU in solving problematic issues relating to valuation
    • Review viability and comments on new end-financing project tie-up
    • Review new developer BCA and work on Parent Developer BCA
    • Tracking on developer limits
    • Close monitoring on desktop update for delinquent accounts providing by panel appraiser
    • To identify growth areas and to articulate the risk
    • Provide updates on the property market advisory support to business to various stakeholders
    • Continuous improve the way we work by driving cost effectiveness and automation of credit processes and at the same time maintaining high quality of deliverables.
  • Identifying, Development, Reviewing And Implementation Of Credit Policies And Risk Management Strategies
    • Reviewing existing In Country Policies on Developer & Project Approval Criteria and Real Estates Appraisal Procedures continuously via analytics, to ensure its effectiveness towards achieving companies' goals.
    • Ensure implementation of deliverables within the risk appetite frameworks are delivered in a timely manner.
    • Perform Gap Analysis per Group Policies and Standards and adopt accordingly in-Country, else dispensation is requested on timely manner.
    • Ensure no Regulatory impact to the Policies and Standards or vice versa.
  • Provide Support To Marketing And Sales Initiatives And Other Support Centers eg: Credit Initiation, Collection Operations, Risk PM&F etc.
    • Provide necessary credit risk support to Marketing and Sales in existing and new product initiatives.
    • Work with Credit Initiation to improve KPI measurements on approval rates.
    • Support initiatives for periodic portfolio feedback sessions with other department including Collection. Learning and best practices to improve current and future activities.

A diverse culture
We are committed to building a culture that fosters a diverse and inclusive environment that's free from bias, where everyone can realise their full potential and make a positive contribution. This is just one of our values that is expressed in our brand promise - here for good. Apply Now.