Vp, Credit Administration Group

Provide credit middle support to business units with respect to:

- 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**
- Execute strategic plans & operational goals for Credit Administration Middle Office deliverables which are to be aligned to organizational objectives. Assist Group Head to plan & manage budgets for respective groups within direction of Management.
- Identify areas for process optimization, efficiency enhancement & cost reduction in Credit Administration Middle Office. Implement measures to improve workflows, streamline processes & enhance productivity. Assist Group Head in data collection for capacity model to be used to measure productivity.
- Assess & mitigate operational risks by ensuring compliance with regulatory requirements and Head Office Rules/Policies. Establish robust control mechanisms & implement risk management plans/strategies to minimize existing risks/errors. Principle of “Bad news first” and timely reporting of errors, final recovery, and root cause resolution to be strictly followed.
- Identify & understand Business Continuity Management requirements as per applicable Head Office Guidelines & local/Head Office Regulator. Prepare & continuously update relevant documentation supporting the groups Operational Resiliency strictly considering every scenario as well as ensure team members have clear understanding of applicable policies, procedures and individual roles & responsibilities. Make plans to improve fungibility within the team to perform day to day tasks by maintaining adequate back-ups & rotation plans.
- Provides leadership/guidance to the team, fostering positive work environment & promoting professional growth & development (including re-skilling). Coach & mentor team members & ensure regular periodic feedback to team members. Build robust succession plans with a time span of 1-2 years.
- Constantly practice & exhibit SMBC’s Five values - Integrity, Customer First, Proactive & Innovative, Speed & Quality & Team SMBC Group, both in principle & actions.
- Continuously partner with other Groups to help & assist each other in delivering overall objectives.
- Leverage on technology & innovative solutions to enhance operational efficiency, automate processes, & improve customer experience in line with emerging industry trends. Partner with Technology Teams & influence decision-making by providing a Voice of Operations on discussion tables/Forums responsible for system implementation.
- Actively support & champion change management by contributing to parts in Software Delivery Life Cycle (mainly user requirements definition, UAT & operationalizing change) & actively contribute to project/system/process designs.
- Ensure adherence to relevant banking regulations, internal Head Office policies/procedures & industry standards/best practices. Actively conduct Risk Control Self-Assessment to identify process control gaps & escalate/plan to fix such gaps.
- Coordinate with internal/external auditors to facilitate audits & address compliance-related matters.
- Assist Group Head in monitoring key performance indicators/operational metrics to track department performance, identify areas of improvement & report to Credit Administration Group Head and senior management on periodic basis.

**Requirements**:

- Degree in Banking and Finance or equivalent with at least 10 years of experience in credit/loan documentation.
- Strong experience in people management and development.
- 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, commu