Associate Director, Credit Monitoring & Management

Associate Director, Credit Monitoring & Management

Malaysian Industrial Development Finance (MIDF) – Petaling

Key Purpose
The day-to-day functions of the Credit Management Unit include the following:

• Assess and recommend new credit lines for the Bank’s participation in corporate bonds and sukuk.
• Conduct regular credit reviews of the Bank's corporate sukuk and bond commitments.
• Evaluate and recommend the approval or rejection of requests from sukuk issuers.
• Perform regular reviews of the Bank's debt market financing accounts.
• Assess and recommend approval or rejection of requests from financing customers.
• Conduct site visits to customers as part of the credit assessment process.
• Prepare monthly credit review status reports and reports on accounts requiring special attention.
• Perform Know Your Customer (KYC) and Customer Due Diligence (CDD) onboarding and updates.
• Carry out Economic Substance Compliance (ESC) assessments and classifications.

Key Accountabilities

Credit Review

• Conduct credit reviews of treasury corporate accounts.
• Execute credit reviews of debt market accounts that have been handed over.

New Credit Recommendations

• Assess and recommend new credit line requests from the Treasury & Markets Department.

Credit Management

• Continuously monitor the development and credit profiles of customers.
• Address customer requests and evaluate them.
• Make recommendations based on requests and ensure decisions are followed through.

CMM’s Periodic Reports

• Prepare monthly account status reports.
• Generate additional reports as needed.

Review and Recommend Improvements to the Bank’s Policies and Procedures

• Contribute to the formulation of bank-wide policies.
• Recommend improvements to operational procedures for Credit Management and Monitoring (CMM).
• Review other policies, procedures, or manuals as necessary.

Qualifications, Experience & Skills

• Bachelor’s degree or equivalent, preferably in Accounting, Economics, Business, or Finance, from a recognized university.
• Minimum of 5 years of prior experience in a bank or financial institution, with specific expertise in:
• Credit appraisal and evaluation.
• Interpretation and analysis of financial statements and spreadsheets.
• Investment and corporate banking activities.