Job description
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.