Job Description

Provide credit middle support to business units with respect to:checking of credit applications on compliance with MAS/Head Office/internal rules and regulations.reviewing terms and conditions in facility letters and loan/security agreements to ensure compliance with approved credit applications and conditions imposed by Credit Department/Head Office.ensuring loan documentation is complete and conditions complied with before proceeding with facility limit registration.preparing MAS/Head Office/internal reports.In addition to the BAU matters, the incumbent is to:provide leadership and overall management of the team in areas of planning, issues resolution, resource management, streamline & improve the processes to ensure speed, accuracy, standardization, and efficiency is achieved.achieve optimization of all given resources as well as implementing optimized working system in BCAPD and encourage and inculcate an innovative / Kaizen culture. To create high performing team by focusing on developing, coaching, & mentoring Human Capital supported with SMART goal setting & periodic performance management, team meetings, bonding events, etc.to focus on adequate risk & controls culture and management, regulatory & compliance controls are well understood ang gaps if any, clearly recognized and risk evaluated.to contribute to building robust & deployable Operations resiliency plans in line with Head Office Policies, Procedures & Regulatory guidelines.to transform and enhance overall quality of the Customer & Control deliveries of the Group and support BCAPD Management in achieving KPI/Goals for the department from time to time.Responsibilities

• Ensure proper and timely checks on compliance with HO and MAS regulations and guidelines on credit applications received.
• Monitor progress on approval of credit applications.
• Check contents of loan/security agreements for adherence to approved credit terms and conditions.
• Control collection of credit documentation (facility and security documents and CP/CS documents).
• Instruct registration of facility limits/collaterals in systems when documentation is complete/CPs complied.
• Monitor collateral condition (expiry dates and adequacy of insurance policies, collateral valuation, etc.).
• Monitor and manage irregular/exceptional handling transactions until satisfactory closure.
• Monitor/check Master Covenant Control and loan covenant compliance.
• Provide information on collaterals and MT12 Credit Supplementary to FCG for MAS610 reporting.
• Support for various business units and back-office staff members by providing necessary information on credit control matters.
• Preparation of Management/MAS/internal reports.
• Participate in initiatives and projects as assigned.
• Any other matters that may be assigned from time to time.

• Degree in Banking and Finance or equivalent with at least 7 to 10 years of relevant experience.
• Knowledge of corporate banking products - working capital loans, real estate loans, foreign exchange. etc.
• Diligent, organized, and meticulous with keen eye for details.
• Open mindset with willingness to learn and is receptive to transformational changes.
• Both a team player and active independent contributor.

• Possess strong interpersonal communication skills.

Sumitomo Mitsui Banking Corporation