Job Responsibilities

This role is responsible for ensuring that the credit risk processes are effectively managed as per approved credit risk policies and procedures. The position is required to manage credit risk through regular assessment and analysis of credit risk in the loan portfolio

Key Responsibilities

• Assist the CRO in implementing the Risk Management Framework and strategies.
• Monitor adherence to all established credit exposure/concentration limits and escalate any limit excess for deliberation.
• Review existing and new credit risk guidelines and related manuals.
• Review and where necessary, enhance existing policies and guidelines and manuals which relate to Credit Risk functions.
• Monitor and supervise Credit Risk Portfolio Management and provide input for improvements.
• Develop and implement credit policies and risk management strategies for effective portfolio governance to meet goals.
• Prepare monthly/ quarterly Risk Management Reports and update Senior Management and Board
• Participate in business related and risk management initiatives.
• To undertake any other assignments as assigned by CRO.

Scope of Responsibilities

1. Credit Risk Portfolio Management
   • Monitor, assess and advise on the credit risk portfolio composition
   • Review credit concentration and portfolio credit risk by customers and product types
   • Providing timely and accurate reports and meaningful analysis on risk positions, to enable the Board and Senior Management to make informed decisions
   • Develop, implement and execute policies and strategies for better portfolio management
2. Credit Related Policies
   • Review and where necessary, enhance credit policies encompassing all products and business
   • Analyse and continue to enhance current underwriting criteria
   • Explore new opportunities and challenge the effectiveness of existing policies
3. Other Responsibilities
   • Design strategies to provide key risk mechanism to control any allowable risk taking activities
   • Develop risk management strategies to support growth in multiple products
   • Maintain and enhance credit scorecards for all products
   • Analyse credit data to determine degree of risk involved in extending credit
   • Ensure compliance with credit related regulatory requirements
   • Prepare ad-hoc Credit Risk reports whenever requested by CRO/ Management/ Board
   • Carry out any ad-hoc assignments assigned by CRO/ Management/ Board from time to time

Job Requirements

1. Skills
   • MS Office
   • Fluent English in speaking and writing
   • Highly developed analytical and communication skills
2. Knowledge
   • Familiar with the regulatory environment for banks
   • Good understanding of credit risk measurement, monitoring and management
   • Knowledge of the banking industry and products offered
3. Experience / Qualification
   • Degree in Finance/ Banking/ Accounting/ Economics
   • At least 6 years of relevant experience in banking, finance, consulting in industries such as risk, underwriting, analytics, finance.

Job Responsibilities

Responsible in managing and executing Cash Management product initiatives/plans in order to deliver the business objectives/targets.

Key Responsibilities

Product/ service development:

• To continuously enhancing the Cash Management products/services in achieving the competitive edge within the bank industry.
• To explore and develop new Cash Management products/services, in line with organization’s medium-to-long term strategic business objectives.
• Development of business process and business/ financial models for enhanced or new products and services that include:
  1. operating models
  2. pricing structures
  3. implementation plan
• In-trend with the latest digital technology and payment landscape globally

Project Management:

• Project management (where applicable, to co-manage) on the implementation of new /enhance products

Business development and marketing management:

• To continuously promote and market Cash Management products to the corporate clients.
• To execute the business plans specifically on initiatives related to Marketing and Promotion
• To build product acceptance and awareness to the relevant corporations/government bodies by developing and implementing cost effective marketing programs.
• To further grow Cash Management products/services, in line with the organization’s business objectives.
• To identify and analyst the market/ business trend for Cash Management among the banking industry and evaluate the feasibility of the most suitable solution within organization

Policies, Systems, Processes and Procedures

• Implements departmental policies, systems, and procedure so that all relevant procedural / legislative requirements are fulfilled while delivering a quality and cost-effective service.
• Contributes to the identification of opportunities for continuous improvement of systems, processes, and practices while taking into account ‘international leading practice’, improvement of business processes, cost reduction, and productivity improvement.

Job Requirements

1. Minimum Qualifications
   • Degree in Computer Science, Business or its equivalent.
   • Post-graduate qualification will be an added advantage.
2. Technical Qualifications
   • Strong computer literacy skills – Microsoft Word, Excel, PowerPoint
3. Additional requirements
   • Minimum of 10 years’ experience in areas relating Electronic Banking, Retail Banking, Transactional (Wholesale) Banking or Card Services.
   • PC literate, well organized and have the drive to excel.
   • Strong leadership qualities, aggressive and result oriented.
   • Ability to lead a meeting/discussion with external parties such as Merchants and Corporate Businesses

Job Responsibilities

Manage the assigned branch, ensure branch comply with SOPs and statutory requirements,maximize the profitability and widen MBSB footprint across specific target customer segments. Ensure efficient and excellent customer service maintained at all times and promoting revenue generation activities amongst branch staff.

Key Responsibilities

• Maintain statutory records of all the companies in the group
• Prepare and co-ordinate meeting agenda and papers for Board, Board Committees or managements meetings
• Prepare resolutions and organize, attend and draft minutes of Board, Board Committees or managements meetings and shareholders meetings
• Organize and co-ordinate Annual General Meeting and Extraordinary General Meeting
• Preparation of Annual Reports and Circulars to Shareholders
• Preparation and submission of statutory forms to the Commission of Malaysia, Bursa Malaysia, Securities Commission, Bank Negara, etc
• Preparation of announcement and application for listing of shares at Bursa Malaysia
• Handle all matters in relations to Company Secretarial and to ensure compliance with statutory/regulatory requirements

Job Requirements

• Bachelor’s degree in Business Administration, Finance, Management or any related discipline, is required or any equivalent academic certifications
• Minimum 7 years of experience in a Company Secretarial function. Extensive Company Secretarial experience and technical and functional knowledge in Secretarial matters

Job Responsibilities

This role is responsible for ensuring that the credit risk processes are effectively managed as per approved credit risk policies and procedures. The position is required to manage credit risk through regular assessment and analysis of credit risk in the loan portfolio

Key Responsibilities

• Assist the CRO in implementing the Risk Management Framework and strategies.
• Monitor adherence to all established credit exposure/concentration limits and escalate any limit excess for deliberation.
• Review existing and new credit risk guidelines and related manuals.
• Review and where necessary, enhance existing policies and guidelines and manuals which relate to Credit Risk functions.
• Monitor and supervise Credit Risk Portfolio Management and provide input for improvements.
• Develop and implement credit policies and risk management strategies for effective portfolio governance to meet goals.
• Prepare monthly/ quarterly Risk Management Reports and update Senior Management and Board
• Participate in business related and risk management initiatives.
• To undertake any other assignments as assigned by CRO.

Scope of Responsibilities

1. Credit Risk Portfolio Management
   • Monitor, assess and advise on the credit risk portfolio composition
   • Review credit concentration and portfolio credit risk by customers and product types
   • Providing timely and accurate reports and meaningful analysis on risk positions, to enable the Board and Senior Management to make informed decisions
   • Develop, implement and execute policies and strategies for better portfolio management
2. Credit Related Policies
   • Review and where necessary, enhance credit policies encompassing all products and business
   • Analyse and continue to enhance current underwriting criteria
   • Explore new opportunities and challenge the effectiveness of existing policies
3. Other Responsibilities
   • Design strategies to provide key risk mechanism to control any allowable risk taking activities
   • Develop risk management strategies to support growth in multiple products
   • Maintain and enhance credit scorecards for all products
   • Analyse credit data to determine degree of risk involved in extending credit
   • Ensure compliance with credit related regulatory requirements
   • Prepare ad-hoc Credit Risk reports whenever requested by CRO/ Management/ Board
   • Carry out any ad-hoc assignments assigned by CRO/ Management/ Board from time to time

Job Requirements

1. Skills
   • MS Office
   • Fluent English in speaking and writing
   • Highly developed analytical and communication skills
2. Knowledge
   • Familiar with the regulatory environment for banks
   • Good understanding of credit risk measurement, monitoring and management
   • Knowledge of the banking industry and products offered
3. Experience / Qualification
   • Degree in Finance/ Banking/ Accounting/ Economics
   • At least 6 years of relevant experience in banking, finance, consulting in industries such as risk, underwriting, analytics, finance.

Job Responsibilities

Perform independent assessment and financial analysis on credit proposals submitted by Business Units by ensuring the proposals are in line with the MBSB’s credit policy and lending direction and recommend measures of mitigation for submission to the relevant approving authority.

Core Responsibilities

• Evaluate credit proposals including annual reviews submitted by Business Units for submission to the relevant Committee (ALCO, CARAC, EXCO, BOARD) by ensuring the credit proposals are in line with the MBSB’s credit policy and lending direction.
• Review credit risk assessment reports produced by co-colleagues/juniors by providing necessary guidance/input in improving the quality of the report.
• Monitor accounts classified under Watchlist.
• Provide guidance to Business Units.
• Provide inputs to enhance credit policies and procedures and etc.
• Perform duties to be assigned by superior from time to time.

Job Requirements

EXPERIENCE / KNOWLEDGE REQUIRED

1. Skills
   • Microsoft Office/Excel
   • Possess risk-oriented mind-set and analytical thinking
   • Information seeking and Report writing
2. Knowledge
   • Basic credit knowledge for corporate and retail financing
   • Familiar with MBSB nature of Business
   • Policies and Guidelines
3. Experience / Qualification
   • Business and risk related background
   • Institute of Chartered Secretaries and Administrators
   • Certified Credit Professional
   • OMEGA Senior Credit Master Class
   • Fundamental Certificate in Islamic Banking