Graduate Trainee – Merchant Operations

Hong Leong Bank
Full Time
Application ends: December 31, 2022
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Job Description

Program Overview:
The Graduate Trainee program is a 12-month program designed to provide fresh/recent graduates with a holistic development in one of the most pivotal areas of our business. The GTs will be provided with the right exposure and given the opportunity to learn the importance of effective management of credit risk.  Through this program, GTs will develop distinctive skills in providing assurance that the Bank’s credit decisioning processes meet industry best practices and regulatory requirements.

Independent Credit Review GTP will consist coaching from the line manager and 3 rotations (4 months each) across the following departments: Hire Purchase SME Banking Business Corporate Banking

Job Responsibilities:
Validate, via sampling, the appropriateness of credit decisioning, including but not limited to ensuring that all approved limits/terms are fit for purpose and demonstrate prudent credit assessment in compliance with all applicable credit policies. Assess the operational robustness and collections effectiveness of the portfolio in review. Perform analysis of the 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. Assist with reporting of Single Customer Exposure Limit and Connected Parties reporting.


▪Fresh graduates with a CGPA of 3.2 and above, or its equivalent;
▪Candidates with no more than 1 year working experience


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