Job PurposeTo ensure quality of credit underwriting within parameters under respective Product Development Document PDD and under Group and local credit policy and business strategy and that reporting of information relating to this portfolio is timely and accurate To instil strong credit culture by setting highest standards and demanding these are maintained by all business partners within Retail Banking Job ResponsibilitiesEvaluate and approve new applications increase in limits annual reviews facility conversions and other common requests submitted through various channels i e Branches dedicated and direct sales channels Working with product marketing sales IS Credit Operations on new programs products systems to ensure smooth implementation Ensure that the department and rsquo s Service Quality and Key Control Standards are complied with To be keenly aware of current economic environment market trends and relevant intelligence to assist risk management by providing feedback in the formalizing of internal guidelines To rigorously maintain the quality of underwriting and undertake fraud detection and reporting Support viable system implementation to minimize credit risk and fraud applications Ensure compliance with the Group and rsquo s standards and regulatory requirements pertaining to Money Laundering and KYC Participate in and or support the Bank and rsquo s effort in combating money- laundering activities Exercise due care and diligence on matters related to Money Laundering and KYC in the day to day operations including account reviews reporting suspicions implementing new requirements updating and revising operating procedures acquire relevant knowledge and training provide support to superior and subordinates Staff Loan Data Confidentiality and ndash Ensure information on staff loans are kept confidential Pay records of employees must not be disclosed to any other person and should be kept confidential at all times during and after your employment in the Bank Other DutiesAd hoc reporting and other duties assigned by Head Credit Initiation from time to time Co-supervision and training of new existing staff on new products and guidelines under the purview of credit evaluation Actively engage the teams in regular discussions to drive operational efficiency and knowledge sharing Maintain an open channel of communication with other stakeholders particularly sales channels product process policy risk and operations teams to address any issues Our Ideal CandidateBachelor Degree in Banking Business administration or equivalent Possess 3-5 years of working experience in credit underwriting and credit assessment with good knowledge in credit policy Preferable candidate with SME Business Banking or residential mortgage knowledge
Type : Company job
Role : Senior Executive
Industry : Banking/Financial Services
Salary : MYR 4,000 - 5,800
Standard Chartered PLC is a leading international bank, listed on the London, Hong Kong and Mumbai stock exchanges. It has operated for over 150 years in some of the world's most dynamic markets and earns more than 90 per cent of its income and profits in Asia, Africa and the Middle East. This geographic focus and commitment to developing deep relationships with clients and customers has driven the Bank’s growth in recent years.
With offices in 71 markets, Standard Chartered offers exciting and challenging international career opportunities for around 87,000 staff. It is committed to building a sustainable business over the long term and is trusted worldwide for upholding high standards of corporate governance, social responsibility, environmental protection and employee diversity. The Bank’s heritage and values are expressed in its brand promise, Here for good.
For more information on Standard Chartered, please visit http://www.standardchartered.com.