Job Purpose:
To review, analyze and support / approve credit application; approve credit excesses and irregularities; take up credit-related projects.
Main Responsibilities:
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Approve credit applications within delegated lending authority
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Analyze and review credit applications beyond the delegated authority for higher authority level’s decision making
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Monitor compliance with credit policies and guidelines
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Approve credit excesses and irregularities within the delegated lending authority
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Identify potential problem loan situation and, if necessary, working with relationship manager to take early remedial actions including loan/credit restructuring
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Assist in formulating and reviewing credit policies and guidelines
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Take up credit-related projects
Incumbent Requirements:
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University degree or above with major in Banking, Business Administration, Finance, Economics, Accountancy or related discipline
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Minimum 8 years’ credit experience in commercial banking
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Professional qualification such as Certified Banker (CB), or ECF on Credit Risk Management (CRM) is preferred
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Knowledge of commercial banking products including trade finance
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Knowledge of relevant regulatory requirements
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Good knowledge in accounting principles and financial statements analysis
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Good analytical, communication and interpersonal skills
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Candidate with less experience will be considered as Manager