Deputy Manager, Credit Risk Management

Key responsibilities

• Work closely with Accounts Officers (AO) in conducting credit due diligence on existing/prospective clients including factory/site visits.
• Review and evaluate credit reports for annual reviews, new & incremental and waiver/amendment credit proposals and provide recommendations before submission to Branch CRO/Head Office for consideration/approval.
• Continuous monitoring and reviewing of existing credit risk exposures.
• Develop and review/update internal credit risk related policies / guidelines in accordance with Head Office and /or local regulatory requirements.
• Provide risk guidance during credit/facility structuring stage, term sheet negotiation or in deal meetings to improve facility structure.
• Collaborate with Business Units to develop and review risk acceptance criteria (RAC) framework governing the business strategy as embedded in the Target Market & Risk Acceptance Criteria (“TMRAC”).
• Reviewing ECL reports for the loan portfolio to ensure accurate credit risk reporting.
• Conduct credit stress testing / scenario testing to determine the ability of the credit portfolio to withstand plausible severe adverse conditions and make the requisite recommended action plans.
• Liaison with Head Office International Credit Risk Management Department to support/align the Branch’s credit risk management framework.
• To keep abreast of economic, sector and industry developments and trends that may affect the quality of the Branch’s loan portfolio.
• Take on ad-hoc risk assignments(s) as and when delegated by Branch CRO.