Graduate Trainee - Risk Management - Credit Portfolio Risk

What You Will Do

• Assist to monitor Asset Quality and Portfolio & Sector Concentration, to be within Risk Appetite Statement (RAS) as prescribed in Board Action Trigger (BAT) and Management Action Trigger (MAT). In case of any breaches of RAS, conduct in-depth analysis and escalate as per Standard Operation Procedures (SOP). 
• Assist to prepare Credit Portfolio Risk Reporting in monthly / quarterly / yearly / ad-hoc submission which include Overall Bank-wide, Personal Financing Services (PFS) and Business & Corporate Banking (BCB) for Malaysia and Overseas Operations. 
• Perform analysis of bank’s overall credit portfolio performance to surface material credit risk vulnerabilities and mitigations and to ensure the appropriateness of credit grading and provisioning levels, in compliance with the Bank’s credit risk strategy and appetite, policies and regulatory requirements. 
• Highlight credit risk vulnerabilities impact on Bank profitability and capital levels via the ICAAP and stress testing processes. 
• Further enhance the current methodology/approach and documentation for ICAAP / Semi-Annual Stress Test / Ad-hoc Stress Test. 
• Periodic review of MFRS 9 Forward Looking Model, which is inclusive of the following: 
• Sensitivity analysis based on historical MEV - to generate Up and Down scenarios for Financial Disclosure purpose; 
• Semi-Annual Review and Ad-hoc Review of the model; 
• Enhancement of the model based on audit observations from BNM and Internal/External Audit; 
• Policy and SOP review based on latest changes made to the model; 
• Involve in automation - to provide requirement to vendor and to perform UAT. 
• Prepare Probability of Default (PD) and Loss Given Default (LGD) at portfolio level (for both PFS and BCB) for the purpose of Customer Relationship Profitability Model (CRPM) maintenance on quarterly basis.

About Us: 
 
Hong Leong Bank (“HLB”) stands proudly as a leading financial services institution based in Malaysia, providing a wide range of comprehensive and innovative financial solutions across the region.  
 
These services are delivered through both digital and traditional means, via online and mobile banking, as well as our digital branch concept to provide customers with an efficient and seamless experience aided by technology. 
 
As the service and financial landscape changes rapidly with the ever-increasing use of technology, staying attuned to customers’ needs and desires becomes even more critical to HLB’s operations.  
 
To stay ahead of these dynamic changes, the Bank has adopted the approach of reimagining banking by embedding digital considerations and customer centricity in every aspect of our operations, from products and services as well as customer care and engagement.