Duties and responsibilities
•Contributing to strong credit culture in their respective areas by providing leadership and coaching to their staff.•Providing independent reviews and approvals for certain extensions of credit as required by this Policy.•As approvers of credit limits, Credit Risk Managers are expected to read, review and scrutinize all credit requests presented to them.•Performing pro-active risk management of transactional and portfolio activities within all the coverage areas of the Bank.•Ensuring that Risk Management policies, standards, and practices are adhered to by the Business Units and all coverage areas.•Approving credits and transactions within their approved delegated authorities.•Whenever required, assisting the Business Units in establishing business-specific risk management practices for the approval, measurement, reporting, monitoring, limiting and analysis of risk.•Assisting in the identification, escalation, classification and management of problem credits.•Reporting all Policy exceptions to CRO; and requesting required approvals on policy exceptions.
Job specification
Experience
•7–10+ years of relevant banking or financial services experience, with significant experience in credit risk, credit analysis, corporate banking, commercial banking, or related areas.•Proven experience in credit assessment and portfolio risk management.•Experience reviewing complex corporate, commercial, SME, or institutional credit exposures.•Experience with credit risk policies, risk appetite, limits, and governance frameworks.•Experience with NPL management, restructuring, provisioning, and credit portfolio monitoring.•Experience presenting credit risk recommendations to senior management and/or credit committees.•Knowledge of regulatory requirements and banking risk management frameworks.•Experience with financial modeling, credit analysis, and risk reporting.•Experience managing or mentoring credit risk analysts/officers is preferred.