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Job Summary:

Responsible for assessing SME and Commercial financing applications, identifying key credit risks, and recommending prudent credit decisions to support sustainable business growth and asset quality management.

Job Accountabilities:

Credit Evaluation & Risk Assessment 

• Conduct independent and objective credit assessments of SME and Commercial credit applications, including new, renewal, enhancement, and review requests. 

• Evaluate borrowers' business models, financial performance, repayment capacity, industry outlook, management capability, and key risk factors. 

• Perform comprehensive credit due diligence, identify emerging risks, recommend appropriate mitigants, and formulate balanced credit recommendations for approval authorities. 

• Assess credit structures, financing terms, collateral coverage, covenant packages, and security arrangements to ensure prudent risk management. 

Portfolio Monitoring & Asset Quality Management 

• Monitor assigned credit portfolio to identify early warning signals, deterioration in credit quality, industry vulnerabilities, and emerging risks. 

• Recommend timely remedial actions and risk mitigation measures to preserve asset quality and minimize potential credit losses. 

• Support periodic portfolio reviews, risk assessments, and regulatory reporting requirements where applicable. 

Business Advisory & Stakeholder Engagement 

• Partner closely with Business Units to develop sound financing structures and commercially viable solutions that align with the Bank's risk appetite. 

• Provide independent credit perspectives and constructive challenges to strengthen financing proposals and credit submissions. 

• Ensure timely turnaround of credit evaluations and responses to internal stakeholders while maintaining quality and consistency of assessment. 

Policy, Governance & Compliance 

• Ensure all credit evaluations comply with the Bank's credit policies, risk framework, delegated authority limits, regulatory requirements, and applicable guidelines. 

• Maintain a balanced approach between business growth, risk management, profitability, and asset quality objectives. 

• Contribute to continuous enhancement of credit processes, evaluation standards, and risk management infrastructure. 

Job Requirement:

• Bachelor's Degree in any discipline. Those with CCP/PCP are an added advantage. 

• Minimum 5 years in credit processing, analysis and evaluation or exposure in sales marketing of SME/commercial loans.

• Capable of working independently with minimum supervision, possess strong credit analytical skills and able to work under tight deadlines.

• Good written and communication skills. 

• Strong knowledge of credit risk assessment, financial analysis, loan structuring, and risk mitigation techniques.