Senior Credit Manager, Commercial Banking

  • Competitive
  • Kuala Lumpur, Federal Territory, Malaysia
  • CDI, Plein-temps
  • Standard Chartered Bank Malaysia Berhad
  • 18 nov. 17 2017-11-18

Senior Credit Manager, Commercial Banking

To ensure quality of credit portfolio is maintained within the parameters specified under the Group & Local Credit Policy and support business strategy to ensure healthy asset growth with acceptable risk return appetite.

Key Roles and Responsibilities

  • Ensure quality of Business Credit Applications ("BCAs") meet Group and Local Credit Policy standards, particularly with regard to the completeness and depth of risk analysis.
  • Approving of BCAs falling within own discretion and support of BCAs, which require approval beyond self credit delegation.
  • Monitoring compliance with Credit Policy and business strategy on at least a quarterly basis and reviewing any divergence from risk appetite of Commercial Banking to ensure credit quality standards are achieved.
  • Undertake customer visit where necessary to ensure credit standards are maintained.
  • Conduct timely self-assessment on compliance within the job scope.
  • Ensure compliance with the Group's standards and regulatory requirements pertaining to Money Laundering and CDD.
Key Customers:
  • Internal Customers - other departments like Product Management, Sales, Transactional Banking, Operations, Credit Risk Control and Legal &Compliance. Interaction with these departments for joint initiatives and key business deliverables.
  • External Customers - bank's customers for feedback/complaints, regulators/ group office / auditors for reporting/discussion/ feedback, etc.
Key Measurable:
  • Joint responsibility on loan impairment, delinquency, credit risk cost management performance and risk KPIs.
  • New business booking quality and portfolio growth quality.
  • Robust new business / portfolio monitoring framework and timely intervention strategy.
  • Timely and accurate output / service to support good portfolio growth and optimized risk return decisions.
  • Improve efficiency / reduce wastage so as to reduce TAT.
  • Pro-active engagement with business for strategy development and execution / feedback.
  • Innovative, cost effective and automated solution / process for risk management initiatives.
  • Adherence to Group policy and process through success on audit / CRR / self assessment.

Qualifications and Skills

  • Sound knowledge of local regulations pertaining to corporate credit.
  • Strong credit analytical skills and able to undertake perform task independently.
  • Sound knowledge of lending parameters & credit life cycle.
  • Sound knowledge of corporate products, particularly trade and working capital products.
  • Clearance of CSA / CCC within 6 months of joining and within 2 attempts.

Diversity and Inclusion

Standard Chartered is committed to diversity and inclusion. We believe that a work environment which embraces diversity will enable us to get the best out of the broadest spectrum of people to sustain strong business performance and competitive advantage. By building an inclusive culture, each employee can develop a sense of belonging, and have the opportunity to maximise their personal potential.