Principal Purpose of the Job :
- Take the leading role in formulating credit policy and procedures.
- Assist the Head/Deputy Heaf of CRD on the credit portfolio management
- Ensure timely delivery and accuracy of internal and external reports.
- Effectively monitoring, identifying and reasonably measuring credit risk within the Bank's asset portfolio.
- Minimize the Bank's credit-related losses by identifying and reasonably measuring the credit risks and propose mitigation measures in proposals, reviews etc.
- Assist the Head/Deputy Head with departmental projects and tasks.
Main Responsibilities and Accountabilities:
- Take the leading role in formulating credit policy and procedures; Conduct regular policy reviews and revisions.
- Produce the credit portfolio reports to Head Office, Local Regulators and Senior Management, Credit Committee, Risk Committee, Audit Committee, etc.
- Conduct post lending management work including but not limited to the monitoring on the performance of the credit portfolio, periodic credit risk reviews, etc.
- Proactively monitoring loan portfolio, and identify important message/early-warning signals for Front Office /credit analysts to have further due diligence or review.
- Strengthen risk analysis of large exposures, organize meetings and complete analysis reports, propose management requirements and track implementation.
- Proactively monitor sector trends as well as counterparty risks for early warning signals.
- Perform credit review and research of sector/ product/ customer etc. to complete
special analysis report.
- IFRS9 provision calculating and review.
- Watchlist and Non-performing Loan management from second line of defense perspective.
- Provide Head of CRD and DGM (credit) as well as credit committee with the professional credit risk analysis for decision-making.
Skills Required :
- Possesses at least 3-7 years' work experience in the credit portfolio management area.
- Familiar with regulatory policies, bank management requirements, and have experience in formulating credit policy and procedures
- Strong mathematical modelling/data processing skills.
- An ability to work unsupervised, good time management skills are essential
- Excellent communication and interpersonal skills.