RHB Banking Group

Description

Primary Objective:

To perform credit evaluation and efficient credit decision prudently within Delegated Lending Authority (DLA) matrix and TAT/SLA given by management for loan/financing application of retail products and compliance to Group Policy and Guidelines, Statutory Guidelines and bank’s standard procedure and practices.

Key Responsibilities:

To perform in depth credit evaluation using common framework of 5C’s (capacity, capital, collateral, conditions and character) in assessing credit risk, customer creditworthiness for prudent credit decision.
To perform credit verification on the accuracy of data entry and income/supporting documents submitted comply with requirement
To execute credit decision for loan/financing application of retail secured product as per assigned DLA matrix within stipulated TAT/SLA.
To comply with Group Policy and Guidelines, Statutory Guidelines and Bank’s standard procedure and practices
To guide and assist the branches/sales on their loan application and reference of guidelines
Fraud detection and awareness
Contribute feedback on process improvement to improve credit quality , efficiency and service standards
Perform other duties and assignments as and when required by SH, Global Evaluation, Head, Credit Evaluation and Head, Group Retail Credit

Requirements

Requirements:
Bachelor Degree - Finance, Economics, Accounting or Business..

- • Certified Credit Professional (CCP) OR• Professional Credit Certification (PCC) OR• Credit Skills Assessment (CSA) OR• Any equivalent certification.

Credit related experience - Minimum 4 years or more functional credit experience either in credit processing / analysis or credit evaluation
Core credit experience – Minimum 2 years or more managing the retail banking portfolio either in consumer or HP / PLM portfolio or other relevant business units’ credit portfolio

•Strong analytical & credit decision skills

•Well versed with the product market trends & industry

•Self-motivated & ability to work independently with minimum supervision

•Good communication and negotiation skills

•Teamwork spirit

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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