RHB Banking Group

Description

Identify underlying issues/concerns in portfolio accounts that could lead to deterioration in risk profile/cause financial distress.
Take preemptive action to prevent deterioration in asset quality.
Work with Relationship Managers on solutions to rehabilitate distressed accounts (or manage them out under ‘exit’ strategy).
Manage impaired ratios and loan loss provisions of allocated accounts within budget.
Oversee EAM account reporting and jointly work with business teams to manage these accounts to preserve overall asset quality.
Liaise with Group Credit Management on distressed/EAM/AST account updates (and facilitate reporting to Group Credit Committee).
Monitor MIAs, excesses, past due & adverse market information, etc. to ensure accounts are regularized in a timely manner to avoid MFRS9 trigger.
Undertake annual and/or periodic reviews on portfolio accounts on timely basis
Prepare presentation decks on asset quality for relevant committee meetings
Report loan portfolio status to regulatory and/or internal stakeholders on regular and ad-hoc basis
Collaborate with Loan Recovery Division on impaired account management when required.
Liaise with COD & Relationship Managers on breaches to terms & conditions to ensure compliance with covenants and Credit Policies & Guidelines.
Assist business teams in restructuring and rescheduling affected loans and/or in their annual review of accounts if need be.

Requirements

Bachelor’s Degree in Economics/Accounting/Finance/Business Administration (or equivalent).
Possess Professional Credit Certification (PCC) or have passed the Omega’s Credit Skill Assessment (CSA).
Minimum 5 years’ experience in corporate and/or investment banking at an established financial institution.
Good credit writing, analysis and structuring skills.
Good negotiation, presentation and relationship management skills.

* Shortlisted candidates will be notified.

Benefits

Dental, Education support, Miscellaneous allowance, Medical, Loans, Sports (e.g. Gym), Parking, Vision, Regular hours, Mondays - Fridays, Casual Business Wear, Performance Based Rewards

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