Assistant Vice President, Credit, Internal Audit Department

As Regional Credit Auditor/Reviewer, this role combines both internal audit aussurance and credit review responsibilities. You will add value and improve the bank's credit related space by bringing an efficient and disciplined approach to the effectiveness of risk management, control, and governance processes. You will travel and work closely with internal audit counterparts on a regional scale to conduct audit visits. You will have the opportunity to work with the stakeholders to evaluate internal controls and providing recommendations to strengthen end-to-end credit processes.

Job Responsibilities

• Lead and/or execute risk-based audits and credit review activities independently and efficiently across end-to-end credit processes, including audit and credit review planning, key control evaluation and testing, borrower sampling and credit applications review, report drafting and issues follow-up and closure, applying IADAP audit and credit review methodologies, and sound credit judgement.
• Assess the design and operating effectiveness of key controls within credit risk management processes, and independently evaluate the quality of credit applications, risk assessment, covenanting, and ongoing monitoring practices.
• Provide independent credit risk evaluation on Bank's credit assets, including (but not limited to) exposures to Corporate, Banks, Non-Bank Financial Institutes, Structured Real Estate Finances, Project Finances, Fund Finances, Levaraged Buyouts(LBOs).
• Identify control weaknesses, root causes, and emerging risk themes, and provide practical and value-adding recommendations to Management to strengthen credit risk management and internal controls.
• Apply data analytics to support audit assessments on the internal control environment and bank's credit portfolio.
• Establish and develop good working relationship with Management of assigned Business Units to support effective annual risk assessment and continuous monitoring to drive appropriate ongoing audit coverage.
• Colloboration and cooperation with group company audit team especially in the credit related area. Some of the group companies have consumer retail credit portfolio.
• Participate in the department's strategic initiatives and projects as opportunities arise.
  
  

Job Requirements

• Bachelor's Degree in Finance / Accountancy / Banking, Business Studies / Administration / Management or equivalent is preferred.
• At least 7-10 years of experience in the banking industry with exposure in front office credit risk analysis and/or credit approval function and/or credit risk management and/or credit review and/or credit audit, including end‑to‑end credit processes (origination, approval, monitoring and remedial management).
• Professional certification such as CIA/CPA/CA is preferred.
• Demonstrated experience applying a risk‑based audit approach and working to an established audit methodology; strong capability in drafting clear, defensible audit reports and recommendations.
• Strong background in credit risk analysis, financial analysis / projections, and experienced with credit rating models for Large Corporate customers. Experience / knowledge in Structured Real Estate finance, Project Finance, Fund Finance, Securitization, LBO, Banks / Non-Banks Financial Institutions, natural resources would be an added advantage.
• Credit risk management in retail credit portfolio experience would be an added advantage.
• Proficient in both spoken and written English
• Exposure to using data analytics to support audit and/or credit portfolio assessment is an advantage
• Good interpersonal and stakeholder management skills
• Good team player as well as able to work independently
• Meticulous, disciplined and self-motivated individual with the passion to pursue excellence