Evaluation

• Independently appraise and evaluate credit applications from Regional Offices and ensure that only quality assets are booked.
• Screen customer background, track records and behavior patterns to ensure credit quality stands up to approving authority’s expectations.
• Be conversant with key industry trends and highlight any adverse market information for management attention.
• Improve customer service satisfaction through joint customer visits with lending units for better evaluation of risk issue.

Approval within Discretionary Power

• Approve credit applications within his/her delegated discretionary powers (DP), where applicable.
• The DP covers permanent and temporary facilities as well as ad-hoc and administrative requests from lending units including both local and overseas branches/centres.

Strategy and Planning

• Relief other SCMs/CMs in his/her absence and work jointly with SCMs/CMs to ensure service standards on Turnaround Time for credit application processing are consistently met.
• Provide input for review of existing workflows, procedures and processes with a view to improve service quality at reduced cost and increased revenue.
• Undertake special functions as assigned by management to improve credit quality or enhance credit culture within the Banking group.

Compliance

• To ensure compliance and conversant with the relevant policies, procedures, regulatory requirements and framework (covers Malaysia and Countries in the Regional Offices).

Training

• Conduct visits to Regional Office to bridge the expectation gap between the ARMs and approving authorities.

Others

• Undertake any other functions as assigned by the Heads/Management to improve credit quality or enhance credit culture within the Banking group. Eg Thematic Review on site focusing on emerging risk.