Perform daily BAU operations i.e. limits activation/maintenance, static data maintenances and limits monitoring in Limits Monitoring Team.
Perform credit monitoring functions i.e. track & monitor covenants, credit review due dates, monitor facility excesses and collateral shortfall, monitor collaterals expiry dates, litigation alerts and expiry dates for insurances
Ensures accuracy, efficiency and meets the agreed turnaround time with the Business Units while avoiding operational risks and losses
Supports the effort to improve productivity, efficiency and lower costs via continuous process improvements
Maintains good business relationships/partnerships with key stakeholders, aligning actions to customer needs
Key Responsibilities
Customer/Market – Business Transformation
Structuring of credit facilities in the loans system, perform limit implementation/maintenance and limit monitoring functions
Perform credit monitoring functions i.e. track & monitor covenants, credit review due dates, monitor facility excesses and collateral shortfall, monitor collaterals expiry dates, litigation alerts and expiry dates for insurances
Perform loan static data maintenances
Respond to Business Units requests and enquiries within a stipulated time-line
Collaborate with the Team Lead to engage the Business Units on a regular basis to resolve BAU issues, improve processes and cooperation between Credit Ops and the Business Units.
Participate actively to move the team towards completion of goals i.e. develop a service-oriented culture within the team
Support Business Units in their digitalization initiatives &/or launch of new products
Process Digitalization or Automation/STP
Participate in process digitalization or automation initiatives
Productivity Improvement
Ensure all SLA/TAT are being met
Ensure work is completed with speed and accuracy
Contribute process improvements ideas to improve TAT, efficiency and reduction of internal errors in work processes
Process Efficiency/Process Improvements
Participate in process improvement discussions to improve the turnaround time for BAU processes
Identify operational risks and implement measures/controls to plug the risk gaps so that processes are in line with the with all internal & external policies/guidelines and requirements of the regulators
Operational Risk & Compliance
Work together with Team Lead to ensure that audit rating is Satisfactory or better.
Work together with Team Lead to ensure no/minimal operational lapses/financial losses
Individual Contribution/Competency
Participate in BCP Co-ordinator/Risk Co-ordinator or Data Steward roles
Learning/Competitive Positioning
Maintain high standards for self-development to achieve/exceed the goals of the team and to derive satisfaction from achievement of goals and continuous improvement
Initiate action plans to achieve self-development goals which has to be in line with the department and Group's direction of building high performance culture e.g. attend courses from APLMA to understand the clauses in the Facility Agreement
Develop a mind-set of continuous learning to keep up with the pace of change in the Bank and to be competent in the job assigned
Mentor and provide training to junior staff
Qualifications
Bachelor Degree
At least 1-year related experience in a Financial Institution with related experience in credit administration and credit monitoring for all credit products
Other Skills Required
Familiar with both commercial, corporate and retail banking products
Resourceful and a good team player
Conversant with related local regulatory requirements would be an added advantage.
Good time management skills and ability to multi-task
Proficiency in Microsoft Office specifically in Excel
