CREDIT RISK MANAGER

Job Description

The primary responsibility of the Credit Risk Manager is to assess the credit worthiness of the client / potential client and to determine the likelihood that they will honour their financial obligations. This role is responsible for providing full support and accountability to the Risk Management Department in the areas of Credit Risk management for corporate clients and high net-worth clients.

Key Responsibilities:

1. Independently review the credit proposals / transaction requests to ensure that it is in line with the Bank's appetite, internal credit policies & adherence to related regulatory requirements.

2. Assist the Risk Management Department in:

• maintaining the quality of the credit proposals, ensuring accuracy of information and in-depth analysis
  proactively identifying potential risk concerns and highlight mitigating actions
• conducting quarterly / half-yearly / yearly credit reviews on the existing clients and
• regular monitoring of health of the portfolio, and to take proactive actions to control the risks.

3. Participate in the department's system implementation work, including participating in user requirement
gathering and systems user-acceptance testing.

4. Complete any other assigned tasks and projects as required by the department.

Knowledge & Experience Required:

• Degree holder with minimum 10 years of directly relevant working experience in similar capacity.
• Must have strong ability to communicate in Mandarin, due to job requirement, and writing Chinese reports.
• Must have strong prior IT systems implementation experience in risk management / credit risk related systems.
• Good customer service skills.
• Meticulous and good problem solving skills.
• Experience in change management, system testing and implementation and project management will be an added advantage.
• Able to work under pressure and meet strict deadlines.
• Self-motivated, self-disciplined, organized, responsible, meticulous and able to multi-task.