• To independently appraise and evaluate Commercial and Corporate financing applications for the respective approving authorities by identifying all pertinent credit risk issues of the credit proposals and propose the appropriate measures/action plans to mitigate the identified risks.

  • To make recommendation to either approve, decline or defer the credit proposal to the approving authority

  • To ensure accuracies, completeness and to highlight any lapses on the credit proposals by conducting quality checks on credit proposals prior submission to Approving Authority. 

  • To ensure service standards on Turnaround Time for all ICRA reports produced are consistently met and within the acceptable credit standards.

  • To ensure all credit proposals are in compliance with the Bank’s Credit Policy, Statutory and Regulatory requirements.

  • To ensure vigilant in identifying any adverse signs or red flags indicating deterioration in existing account quality and recommending appropriate remedial action (during evaluation on any credit application request for existing customer)

  • To table the relevant Independent Credit Risk Assessment (ICRA) Report to the Management Credit Committee (MCC) weekly meeting. 

  • Monitor and report on inventory of credit proposals undergoing ICRA on monthly basis.

  • Monitor & report the status of approved credit applications that has undergone ICRA on monthly basis 

  • Any other duties as assigned by the Section Head/Head of Department.


  • Min Education Qualifications

  • Bachelor’s Degree in Business, Accounting, Finance, Agriculture Business or related discipline

  • Possess Certified Credit Professional (Business) qualification/Professional Credit Certification (PCC) from Asean Institute of Chartered Bankers will be an added advantage

  • Relevant Experience Required

  • Minimum 3 years of experience in commercial/corporate credit evaluation/credit origination.

  • Conversant with financial analysis and cash flow projections

  • Good knowledge of a broad range banking products, risk management tools and techniques.

  • Other Skills Required

  • Strong analytical, problem-solving, interpersonal and communication skills.

  • A team player with the ability to work independently.