Assistant Vice President - Group Risk, Credit Management - Commercial

This role resides in the second line of defence. The role is responsible for identifying, evaluating measures, mitigating, and recommending and/or approving 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 various policies, procedures, frameworks, methodologies, as well as governance and reporting ("Tools").

Job Responsibilities

• Effectively leverage 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, 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/tasks 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-identification of operational risk issues (where relevant).

Job Requirements

• Possess a Bachelor's Degree in Mathematics with Economics from a reputable University.
• Completed AICB's Executive Banker programme.
• First 10 years working as a 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.