Principal Purpose of the Job:
* Minimise the Bank's credit-related losses by identifying and reasonably measuring the credit risks and mitigants in proposals, reviews etc.
* Make clear and unambiguous recommendations to Credit Committee, in accordance with the Bank's credit policies, regarding the acceptability of particular business deals from a credit perspective whilst simultaneously maintaining an independent and objective view within the credit process.
* Effectively monitoring, identifying and reasonably measuring credit risk within the Bank's asset portfolio.
Main Responsibilities & Accountabilities:
1. Complete credit evaluation report which provides overview of transactions, financial and non-financial risk analysis, key risks identified with the associated mitigation if any as well as credit recommendation (including suggested credit enhancement as well as management conditions). Assisting with the implementation of credit risk appetite, credit policies and procedures and management processes once they are established. Make sure the credit transactions are compliant with credit policies.
2. This position mainly focuses on Commercial Real Estate business and may also cover some other sector's credit business based on the types of proposal from front office.
3. Provide effective challenges as well as guidance to the proposals from Front Office; ...