Senior Corporate Credit

**Create the future with Affin! ​​You too can make a difference.** ================================================================== _We continuously innovate to transform our financial services landscape - making banking better and easier. Join us at AFFIN, where the open minds meet and be inspired by a shared commitment to great work. You too can make a difference._ Job Summary: ------------ The role is responsible for evaluating credit applications and memos submitted by Business Units and providing sound recommendations to the approving authority to support informed and prudent credit decisions.  **Job Accountabilities:** ------------------------- * Evaluate credit proposals submitted by Business Units and provide recommendations to the approving authority and/or credit committee to facilitate informed decision-making.  * Review and validate credit ratings to ensure accuracy and consistency.  * Identify and highlight credit exceptions, ensuring exposures remain within approved thresholds and the Bank’s risk appetite.  * Assess and recommend appropriate MFRS 9 staging levels in line with accounting standards and risk indicators.  * Analyse and comment on key risk areas including facility structure, financial risk, business risk, industry risk, and repayment capacity.  * Review and assess the borrower’s cash flow projections for reasonableness and sustainability.  * Engage with Business Units to promote sound credit culture, reinforce risk-return discipline, and encourage adoption of best practices in credit assessment.  * Ensure compliance with internal policies and regulatory requirements in the execution of duties.  * Present and articulate independent credit views and recommendations to the approving authority and/or credit committee to support acceptance and sound credit decisions. Job Requirements: ----------------- * Bachelor’s degree in a relevant field (e.g., Finance, Accounting, Economics, Business).  * Minimum 8 years of hands-on experience in managing non-retail corporate or wholesale credit, either as a corporate banker or credit analyst/approver.  * Prior experience in preparing and evaluating credit papers for corporate banking products is essential.  * Prior involvement in corporate credit appraisal or approval is highly desirable.  * Professional certifications such as CCP, BCP, Omega, ACCA, CPA, ICAEW, or CFA are advantageous.  * Strong credit analytical skills, including financial statement analysis and cash flow forecasting.  * Solid understanding of industry dynamics, market trends, and general business environment.  * Effective negotiation and communication skills to address credit-related matters with Business Units.  * Ability to work under pressure in a fast-paced environment while maintaining high standards of accuracy and judgment.