Credit Manager (2505-CMGR)

Our client in the SME digital financing sector is seeking to recruit a Credit Manager.

Responsibilities:

• Review/Oversee credit paper preparation by other Credit Analysts.
• Ensure that all credit papers are well documented before being sent to the Head of Credit for review.
• Site visit or interviews together with the Business Development, to understand borrower's loan request.
• Assist the Head of Credit in responding to queries of the Credit Committee members in a timely manner.
• Liaise with all stakeholders, including the Business Development Team throughout the whole credit process.
• Adhere to Credit SLA in place.
• Monitor conditions precedents and conditions subsequent. Escalate to Head of Credit for final decision/sign-off when conditions are not being met by borrowers.
• Assist the Head of Credit in preparation of Portfolio Analytics and other risk reports.
• Update MCIB on a weekly basis, with updated balances and comments.
• To meet with clients requesting for loan restructure to understand and establish the reasoning behind and ensure that all supporting documents have been provided before proceeding for restructuring.
• Assist in the development and implementation of credit rating models and management processes for SME borrowers to ensure a robust rating and pricing framework.
• To regularly monitor the performance of credit team members who has/have direct reporting.
• Assist in the development and implementation of a Credit Risk Management Policy and ensure timely update as and when required.
• Perform data management and maintenance required to support the needs, integrity and performance.
• Participate in special credit or risk related projects from time to time to help in achieving the company's strategic goals.
• Evaluating credit applications using the company's Credit Risk Management Framework which supplements traditional financial data with third party data.
• Demonstrate leadership through modelling it out in actions and thoughts.
• Coach and counsel the Credit team with a focus on improving credit policy, procedure and other related knowledge and skills.
• Play a leading role in setting expectation for ongoing credit policy management, effective and satisfactory periodic policy, and related documents review.

Profile:

• Proven experience as Credit Analyst / Manager / underwriting more than 5 years, with overall experience of at least 8 years.
• SME lending underwriting experience of at least 2 years preferred.
• Experience in mainly SME/Commercial/Corporate and/or Micro SME lending product.
• Ability to lead others in the team to complete tasks assigned.
• Ability to work with across functions within the company to execute plans/projects.
• Consistency, maturity and having sound judgement/decision making across work matters.
• Able to use professional concepts and company objectives to resolve complex issues in creative and effective ways.
• Able to work on complex issues where analysis of situations or data requires an in-depth evaluation of variable factors.
• Able to exercise judgment in selecting methods, techniques, and evaluation criteria for obtaining results.
• Significant contributor to team and overall growth of the company.