ANG KAH WAI

• Perform fundamental research and relative value analysis, including company and industry selection in home country.
• Identify and recommend investment opportunities.
• Proactive monitoring of credit / industry / regulatory risks of issuers covered.
• Ensure annual reviews of holdings in the existing portfolio as well as write and publish high quality research papers on the sectors of expertise to support investment decision.
• Ensure all holdings are supported by research paper and analysis is not stale.
• Ensure timely turnaround in credit approval by Group Investment

• Provide advise and support to the Head, Group Corporate Credit Risk in relation to the establishment of Global/Country Sectoral surveillance methodology for local and regional operations.
• Develop / enhance industry concentration limit methodologies to ensure limits are allocated efficiently, within the risk return consideration.
• Perform assessment of the country outlook, economic outlook and industry outlook to support the business strategy and proposed risk postures on a semi-annual basis for the Group.
• Undertake research and establish the relevant methodology in establishing the credit risk metrics.
• Review detailed analysis of credit movements, credit concentration, asset quality and forms a view on the potential/emerging concerns of the reviewed Business Units.

Fixed Income

• Manages CIMB’s Malaysia bond counterparty portfolio by preparing fixed income credit proposals and related analytical review for submission to the relevant authorities.
• Originate/reviewing/approving the credit limits of the Bond portfolio in various industries and identifying pertinent credit and other deal related issues.
• Monitor the fixed income portfolio to ensure any deterioration in the asset quality/financials are properly escalated.
• To ensure that all fixed income applications comply with applicable regulatory framework/guidelines.

Global Banks

• Manages CIMB Group's inter-bank counterparty credit risk to a number of local and global banks on a regional basis (across 4 of the Group's subsidiaries in Southeast Asia, Indonesia, Thailand, Cambodia and Vietnam) from various products, including money markets, repos, FX, derivatives, bonds and trade finance exposures.
• Originate/reviewing/approving inter-bank/non-banking financial institutions credit limits to help generate revenues on a risk measured basis.
• Reviews country, banking and non-banking financial industry developments across various countries to identify key risk trends and future economical credit outlook.
• Reviews CIMB's country risk limits to align the bank's geographical exposures with management's evolving risk appetite.
• On-going identification and monitoring early warning indicators/notification systems of credit risk under assigned portfolio.
• Involvement in the process of ISDA/CSA and GMRA negotiations with other bank counterparties.

• Prepare annual reviews on SMEs to large corporate with facility limits of RM4mil and above.
• Prepare credit risk assessments & financial analysis to ensure credit submissions for approval and making sure it is in line with the Bank's credit principles and lending guidelines.
• Assess the Bank's securities position based on the exposure undertaken and to recommend any terms that may help to strengthened the Bank's position.
• Identify early warning signals by looking at the Borrower's financial trend, payment record and on any breach of covenants.
• Mentoring and guiding new staff in both qualitative and quantitative aspect of the job.