Assistant Vice President - Group Risk, Credit Management - Commercial

Job Purpose

This role resides in the second line of defence. The role is responsible in identifying, evaluates measures, mitigates and recommends and/or approves non-retail credit risk credit proposals within the Board-approved Risk Postures and Risk Appetite. Oversees monitoring the non-retail credit risk of the assigned portfolios through effectively leveraging of various policies, procedures, frameworks, methodologies, as well as governance and reporting ("Tools").

Job Responsibilities

• Eeffectively leverage on non-retail credit risk management Tools including, but not limited to, Rating Methodology, Early Warning Indicators (EWI), Risk Acceptance Criteria (RAC), Country Sector Limit, Stress Testing, JDA Framework and Non-Retail Credit Risk Portfolio Reporting, so as to ensure a robust and independent underwriting, approval and portfolio review process that is aligned with Board approved Risk Posture and Risk Appetite
• Keep abreast of market and regulatory developments that could impact underwriting standards and asset quality. Make recommendations for changes in the various Tools as required
• Ensure timely initiation of client and/or portfolio reviews using the EWI framework, and timely and accurate classification of Watchlist names, inclusive of corrective actions steps by the SBUs
• Ensure appropriate application and usage of the Joint Delegation Approval Framework
• Manage underwriting and portfolio quality by working closely with Business Units to ensure Tools are understood and implemented
• Engaged in back testing of program lending programs (if necessary)
• Work closely and constructively with key stakeholders by building strong relationships and contributing to the Bank's success from a non-retail credit scope
• Any other responsibilities / task as assigned by HOD/ Deputy HOD from time to time
• Take charge of personal development and training through the KPI, performance management processes and learning and development opportunities
• Ensure credit approvals are done in compliance with all relevant regulatory requirements
• Be actively involved and encourage the self-identify of operational risk issues (where relevant)

Job Requirements

• Possess Bachelor's Degree in Mathematics with Economics form a reputable University
• Completed AICB's Executive Banker programme
• First 10 years working as Relationship Manager (Corporate Banking)
• Knowledge of non-retail credit risk
• Understanding of loan structuring and legal matters
• Knowledge of local regulatory requirements
• Good interpersonal skills
• Good oral, written and communication skills in English
• Motivated and committed

*Only shortlisted candidates will be notified