Responsibilities:Keep abreast of market and regulatory developments and internal policies that could impact underwriting standards and asset quality. Make recommendations for changes in the various credit policies, process and evaluation tools, as and when required.Ensure consistent and appropriate application and adherance to credit related policies and guidelines, especially delegated approval framework.The scope of Independent Credit Review (ICR) for a start shall cover non-retail credits (originating from CIMB Group in Malaysia and Singapore) approved / recommended by Credit Committees.Adopt a risk-based approach in prioritizing ICR coverage where focus shall be directed to credits / financings of sizeable exposure and/or higher risk based on Internal Risk Rating of poorer grades as stipulated in CIMB Malaysia/Singapore Independent Credit Review Operating Process.Conduct ICR Rating to test on the adequacy of credit / financing due diligence, risk recognition, appropriate credit / financing decision rationale that meets the Bank’s Risk Posture and Appetite, credit risk related policies and BNM guidelines and applicable laws.Prepare quarterly ICR Reports consolidating key findings and proposed action / mitigating steps (if applicable) for cases reviewed and ensure timely escalation of findings to GCRO, if any.Work closely and constructively with key stakeholders by building strong relationships and contributing to the Bank’s success from a non-retail credit scope.Provide expertise to enhance the second line of defence.Act as an advocate for inculcating a strong credit culture.Any other responsibilities / task as assigned by GCRO from time to time.Take an active role in the development of subordinates through KPI, performance management processes and learning and development opportunities.Be an engaged leader by setting the tone from the top that facilitates an environment of empowerment and motivation. (Where relevant)Ensure ICR are conducted in compliance with all relevant regulatory requirements, especially Credit Risk Guidelines issued by BNM / MAS.To engage with internal/external auditors as well as regulators, where relevant.Be actively involved and encourage the self-identify of operational risk issues.Requirements:BSc (Hon) in Statistics and Computing or Finance Studies.Certified Risk Professional (Credit) by IBBM/BAI or Omega s CSA CertificationMin of 10 years in Credit Risk Management functions or in Corporate Credit Approval function.Knowledge of non-retail credit risk, finance and accounting skillsUnderstanding of loan structuring and legal mattersKnowledge of local regulatory requirementsExcellent quantitative and analytical skillsStrong interpersonal skills, leadership skills & management skills.Excellent oral, written and communication skills in EnglishResult drive, motivated and committedDeveloping and Managing Talent
Type : Company job
Role : Senior Manager
Industry : Banking/Financial Services
Salary : Not Disclosed
At CIMB Group we believe foresight is the key to unlocking potential. As we extend into universal banking to cover all areas of financial services, we look for individuals with a thirst for challenge, a sound educational background and outstanding capabilities. Well-rounded, multi disciplined persons with high intelligence, energy and integrity are welcome to be part of this forward thinking and fast moving organisation.
Our accelerated expansion in recent years has transformed us into a universal bank with a global network. If you aspire to be part of a highly regarded organisation, where prospects are boundless, CIMB is the perfect partner to realise your dreams. CIMB is a fast growing universal bank, offering you a wide range of career opportunities.