Snr Credit Risk Analyst - Kuala Lumpur, Malaysia - RHB Banking Group

RHB Banking Group

Verified Company

Kuala Lumpur, Malaysia

1 week ago

Posted by:

Siti Tan

beBee Recruiter

Description

Working Hour

Regular Hours

Monday

Friday
Business Area
Risk & Credit Management
Location

Malaysia

Kuala Lumpur
Description
Credit risk control at customer level; and
Devise emerging risk control at customer level through i) Risk Acceptance Criteria (RAC) and ii) Early Warning Surveillance (EWS)
Risk Acceptance Criteria (RAC)
Develop, review and implement RAC for higher risk sector for Non-Retail Malaysia Operations and Overseas Operations.
Identification of new emerging risk in sector other than selected higher risk sectors.
Involve in annual review on effectiveness of RAC in managing high risk sectors / customers.
Support Section Head in engaging/liaising with business counterparts in addressing pertinent RAC issues and followup with business on action plans; undertake impact studies where required.
Development and maintenance of relevant policy/guidelines/procedures
Early Warning Surveillance (EWS)
To identify potential problematic accounts via EWS statistical tools, include conducting cursory assessment based on fresh triggers, market news etc.
Ensure timely highlight of potential highrisk exposure in relation to Emerging Risk.
Take charge of preparation and issuances of:
a) Early Warning Alert Report on quarterly basis.

b) Expected Default Frequency (EDF) report on monthly basis.

c) Shares concentration monitoring reports on monthly basis.

Timely alert of adverse market news.
Review EWS trigger and controls.
Support annual review on effectiveness of EWS statistical tools in identifying vulnerable customers.
Development and maintenance of relevant policy/guidelines/procedures

Portfolio deep dive/thematic review, such as
Impact analysis of economical triggers for example depreciation of MYR against USD to RHB Non-Retail portfolio.
Credit risk transformational initiatives.
Other works as assigned by supervisor from time to time.
Requirements

Bachelor Degree - Any related field(s).

At least 7 years' experience in areas related to non-retail credit (credit origination/ credit evaluation/ enhanced account management) of a financial institution.

Other skills required:

Corporate/Commercial banking experience.
Financial spreading and financial ratio analysis.
Knowledgeable on large conglomerate and its related subsidiaries/companies. Has ear to the ground on credit worthiness of counterparties.
Strong appreciation of impact of emerging risk and early warning in relation to the Group's credit exposure.
Familiar with systemic credit deterioration events.
Vigilant and strong market awareness.
Analytical mind set.
Good command of the English language.
Preferably with skills handling data using Microsoft Excel and/or SAS.
Benefits

Dental, Education support, Miscellaneous allowance, Medical, Loans, Sports (e.g. Gym), Parking, Vision, Regular hours, Mondays