AVP - Wholesale Credit Risk - BFS

- The role holder must conduct credit reviews of identified higher risk counterparties within the Hongkong region, make suitable recommendations for further action to protect Companies lending position and minimize potential credit losses.

The following are the broad responsibilities :

- Analyze potential problem counterparties, make proper credit judgments, suggest methods to improve lending position and ensure that risks are thoroughly assessed by lending executives. This will involve development of appropriate strategies in collaboration with Team Heads / SVPs in Global Banking & Markets / Commercial Banking and clear and transparent communication with Offshore Wholesale & Market Risk / CRRI colleagues.

- Assist in managing and monitoring developments of lower risk problematic accounts

- Provide portfolio MI / industry analysis and lead event-triggered risk management projects as specified by senior management.

- Maintain effective working relationships with Relationship Managers and Lending Executives by delivering value added service and establish rapport and credibility.

- Implement operating procedures in line with the policy and procedures determined by CRRI and ensure strict adherence to Companies Group compliance and operational risk controls and regulatory standards, policies and practices; report control weaknesses, compliance breaches and operational loss events.

- Ensure quality of work, adherence to workflow TATs and submission of MIS

- Drive / assist recruitment, training and mentoring of the Asia Pacific Risk Identification team

- Drive a high performance culture with high engagement levels and ensure business continuity and stability

- Participate in the Offshore Wholesale & Market Risk & local GSC management activities

- Corporate / SME Credit involving commercial credit risk, lending or credit analysis, loan review, loan workout, NPA management, etc., in a reputed Bank/ Financial Institution.

- In-depth understanding of accounting, financial analysis, credit products i.e. all fund & non fund based credit products viz. - term loans, OD/CC, LC/BG, bill discounting, factoring, forex loans.

- Good knowledge of International Trade Financing, treasury / derivative products will be an added advantage.

- Sound knowledge of accounting principles and practices.

- Strong analytical skills with ability to quickly interpret data & facts to arrive at meaningful conclusions and assess the business / financial prospects of the borrowers

- Strong interpersonal skills, ability to work independently and in teams, excellent communication, strong negotiation & persuasive skills

- Ability to assimilate a large amount of information and make effective judgmental decisions on a wide range of issues

- A strong desire to achieve outstanding customer service, show attention to detail and committed to producing work of the highest quality.

- Resilience under pressure and able to work efficiently in order to meet aggressive deadlines.