Senior Corporate Credit Specialist at AFFIN Group, Menara Affin
Senior Corporate Credit Specialist at AFFIN Group in Menara Affin. Full-time. Apply with swipeandhired.
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KEY RESPONSIBILITIES
- Evaluate credit proposals submitted by Business Units and provide recommendations to the approving authority and/or credit committee to facilitate informed decision-making.
- Review and validate credit ratings to ensure accuracy and consistency.
- Identify and highlight credit exceptions, ensuring exposures remain within approved thresholds and the Bank ’s risk appetite.
- Assess and recommend appropriate MFRS 9 staging levels in line with accounting standards and risk indicators.
- Analyse and comment on key risk areas including facility structure, financial risk, business risk, industry risk, and repayment capacity .
- Review and assess the borrower’s cash flow projections for reasonableness and sustainability.
- Engage with Business Units to promote sound credit culture, reinforce risk-return discipline, and encourage adoption of best practices in credit assessment.
- Ensure compliance with internal policies and regulatory requirements in the execution of duties.
- Present and articulate independent credit views and recommendations to the approving authority and/or credit committee to support acceptance and sound credit decisions.
SKILLS/KNOWLEGDE
- Bachelor’s degree in a relevant field (e.g., Finance, Accounting, Economics, Business).
- Minimum 8 years of hands-on experience in managing non-retail corporate or wholesale credit, either as a corporate banker or credit analyst/approver.
- Prior experience in preparing and evaluating credit papers for corporate banking products is essential .
- Prior involvement in corporate credit appraisal or approval is highly desirable.
- Professional certifications such as CCP, BCP, Omega, ACCA, CPA, ICAEW, or CFA are advantageous .
- Strong credit analytical skills, including financial statement analysis and cash flow forecasting.
- Solid understanding of industry dynamics, market trends, and general business environment.
- Effective negotiation and communication skills to address credit-related matters with Business Units.
- Ability to work under pressure in a fast-paced environment while maintaining high standards of accuracy and judgment.