Manager - Credit Risk Review

Job Objective:
Responsible to manage and monitor the quality of corporate, real estate, contracting, business banking, retail, investment and delinquent portfolios of bank, the processes of credit/investment risk management of all these portfolios and also the processes of units engaged in managing the credit/investment risk as well as reviewing exception reports of Credit Administration Department and Risk Management Group and reporting

Job Description:
Essentially complying with the responsibilities outlined in the Credit Policy Chapter No. 25 ‘Credit Risk Review Process’ covering the non-retail portfolio and also complying with the objectives and responsibilities as outlined in each of the specific Audit Planning Memorandums covering the Retail/Non Retail/Risk Management Processes and Investment reviews and also complying with the following specific responsibilities:

Evaluates the quality of corporate credit/retail credit/investment portfolios and adequacy of the related Risk Management Process including portfolio planning, credit/investment assessment, approval process, organization and staffing, risk recognition, credit administration, and other credit/investment related controls
Ensures and Checks the completeness of credit documentation.
Identifies credits/investments/processes having potential weaknesses so that timely corrective action can be taken to minimize losses
Assesses the adequacy of the provision of impaired credits/investments
Assists and manages the planning of individual credit/investment/process review assignments, to conduct the review assignment efficiently and to address the major risks associated with the credit/investment portfolios
Participates in the performance of individual credit/investment/process review assignments to achieve the planned review objectives
Develops action plans for follow up of unresolved issues arising out of reviews
Reviews exception reports of Credit Administration Department and Risk Management Group and follow-up issues with the concerned business/risk management units
Assists in the implementation of the department Quality Assurance Program to ensure that the department is functioning at a high level of efficiency and effectiveness
Provides input for the revision of credit/investment/process review programs/review approach to achieve specific objectives in more effective/efficient manner
Participates in the review of user related procedure/policies for improvement and sign off to ensure they provide for adequate and efficient internal controls
Undertakes investigations of cases/issues/accounts identified by Head - Credit Risk Review Unit and Chief - GIA and provide comprehensive reports covering all the material issues of violations and lapses
Keeps informed about improvements and current developments in banking environment, and in credit/investment/process review & risk management standards, procedures, and techniques. Assists less experienced and new internal staff in assimilating the credit/investment/process review environment

Job Details

Preferred Candidate

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