Excellent opportunity opens up to join an International Bank as their new Credit Risk Manager. You will take ownership of the bank's credit risk governance framework, drive high quality portfolio monitoring and also act as the Secretary to the Credit Committee.
Key Responsibilities
1. Credit Committee Secretariat
* Coordinate and manage all Credit Committee meetings, including scheduling, agenda preparation, and distribution of papers.
* Record accurate and comprehensive meeting minutes for monthly BCC meetings, capturing decisions, conditions, and required follow‑up actions.
* Track and monitor action items, ensuring timely completion and escalation where necessary.
* Maintain the Committee’s governance records in line with internal policies and regulatory expectations.
* Compile, analyse, and present portfolio‑level credit risk MI, including exposures, concentrations, trends, and early warning indicators.
* Produce regular credit risk dashboards and reports for senior management, the Credit Committee, and the Risk Committee.
* Monitor credit quality metrics such as arrears, covenant compliance, rating migrations, and sectoral risk indicators.
* Working with Credit Risk team to report on identified emerging risks and recommend appropriate mitigation actions.
3. Oversight of Credit Risk Processes (2LoD)
* Monitor compliance with the bank’s credit risk policies, procedures, and approval authorities.
* Work with Credit Risk team to conduct periodic checks on Credit Risk team’s adherence to internal processes, including rating reviews, credit application compliance, credit analysis standards, and documentation quality.
* Provide independent oversight on post‑loan monitoring activities, including annual reviews, financial analysis, covenant monitoring, and rating updates.
4. Oversight of 1LoD Credit Activities
* Monitor the quality and timeliness of credit applications submitted by the business.
* Ensure 1LoD completes required post‑loan monitoring activities (e.g., annual reviews, financial updates, covenant checks) within required timelines.
* Identify process gaps or recurring issues and work with 1LoD to strengthen controls and improve data quality.
* Provide training or guidance to 1LoD teams on credit policy requirements where necessary.
5. Data Quality & Systems Oversight
* Conduct regular data quality checks on credit systems to ensure accuracy of key fields (ratings, limits, collateral, covenants, review dates, etc.).
* Work with IT and Operations to resolve data issues and enhance system controls.
* Support system enhancements, testing, and process improvements related to credit risk data and reporting.
Qualifications
* Educated to a university degree and/or appropriate professional qualification level.
* Strong understanding of credit risk principles, credit analysis, and risk management frameworks.
* Excellent communication skills in English and Mandarin, both written and verbal are mandatory.
* Experience in a banking or financial services credit risk function, at least 3 years work experience in the UK.
* Excellent analytical skills with the ability to interpret complex data and produce clear MI.
* Strong organisational skills and attention to detail, particularly in committee governance and minute‑taking.
* Ability to challenge constructively and maintain independence as part of the second line of defence.
* Proficiency in credit risk systems, data tools, and Microsoft Office (especially Excel and PowerPoint).
* Strong communication skills, both written and verbal.
Interested? Please Apply!
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