KEY RESPONSIBILITIES 

• Evaluate credit proposals submitted by Business Units and provide recommendations to the approving authority and/or credit committee to facilitate informed decision-making. 

• Review and validate credit ratings to ensure accuracy and consistency. 

• Identify and highlight credit exceptions, ensuring exposures remain within approved thresholds and the Bank’s risk appetite. 

• Assess and recommend appropriate MFRS 9 staging levels in line with accounting standards and risk indicators. 

• Analyse and comment on key risk areas including facility structure, financial risk, business risk, industry risk, and repayment capacity. 

• Review and assess the borrower’s cash flow projections for reasonableness and sustainability. 

• Engage with Business Units to promote sound credit culture, reinforce risk-return discipline, and encourage adoption of best practices in credit assessment. 

• Ensure compliance with internal policies and regulatory requirements in the execution of duties. 

• Present and articulate independent credit views and recommendations to the approving authority and/or credit committee to support acceptance and sound credit decisions. 

SKILLS/KNOWLEGDE 

• Bachelor’s degree in a relevant field (e.g., Finance, Accounting, Economics, Business). 

• Minimum 8 years of hands-on experience in managing non-retail corporate or wholesale credit, either as a corporate banker or credit analyst/approver. 

• Prior experience in preparing and evaluating credit papers for corporate banking products is essential. 

• Prior involvement in corporate credit appraisal or approval is highly desirable. 

• Professional certifications such as CCP, BCP, Omega, ACCA, CPA, ICAEW, or CFA are advantageous. 

• Strong credit analytical skills, including financial statement analysis and cash flow forecasting. 

• Solid understanding of industry dynamics, market trends, and general business environment. 

• Effective negotiation and communication skills to address credit-related matters with Business Units. 

• Ability to work under pressure in a fast-paced environment while maintaining high standards of accuracy and judgment.