Executive, Portfolio Surveillance & Monitoring

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Job purpose:

• Continuously institute proactive & preemptive actions to prevent deterioration of division asset quality portfolio.
• Provide Risk & Credit enablers and support to frontline business unit.
• Continuously manage risk through robust portfolio management framework.
• Ensure all operational aspects & overall monitoring activities of the department are conducted in an efficient manner and in compliance with the Bank's policies & guidelines.

Job responsibilities:

• Periodic assessment of SICR (Significant Increase in Credit Risk) for Stage 2 accounts of Group Enterprise Banking.
• Periodic assessment of CCPT (Climate Change and Principle-based Taxonomy) for borrowers/customers that are not required to perform annual review by the respective Relationship Manager and CCPT review by portfolio basis. Example like Small & Medium SME customers with standalone term loan below RM5m, fully cash backed facilities, etc.
• Random supplier's verification.
• Random portfolio review for high exposures / high risk accounts.
• Conduct site visit & negotiation with customers to resolve problematic accounts where necessary.
• Providing relevant information to Team Lead / Head, RSAQ who will participate in addressing all Stage 2 accounts / CCPT status in committee meeting.

Job requirements:

• List the acceptable entry level requirements for the job, in terms of:
• Qualifications and Experience
• Basic degree in business / accounting.
• Minimum 2 years' experience in credit / Recovery / Remedial Management.
• Skills and Knowledge
• Interpersonal, analytical and negotiation skills.
• Computing (Microsoft Office - Words/Excel/Powerpoint).Risk Management/Credit Risk Analysis/Account Strategy.
• Product knowledge (including trade finance and treasury products), market knowledge & industry knowledge.