Manager - Credit Approval & Appraisals - Banking

What you'll do:

- Analysis of various counterparties within Banking/CMB/FIG book to ensure that risks are thoroughly assessed by lending executives, make proper credit judgments with emphasis on integrity of Credit Risk Rating (CRR), maintenance of satisfactory credit standards and controls, exercise of correct delegated lending authorities and adherence to all other credit standards prescribed in policy.

- Manage workflows independently during various Full Scope Review or Limited Scope Reviews.

- Ensure timely and good quality delivery of the various workflows that are allotted to the offshore team.

- Ensure adherence to operating procedures in line with Global Credit Risk Review as well as Region specific policies.

- Identify streamlining opportunities in the Credit Review process.

- Development of MI for monitoring & reporting of the quality / quantity of outputs.

- Maintain effective working relationships with Credit Risk Review team in Hong Kong as well as Relationship Managers and Lending Executives across the region by delivering value added service and establish rapport and credibility.

- Ensure quality of work, for both self and the team, adherence to workflow timelines and timely submission of management information.

- Drive a high-performance culture within the team by displaying high engagement levels and ensure business continuity and stability

Qualifications - External

What you will need to succeed in the role:

- Individuals with 3+ years of relevant experience in various facets of Commercial credit risk, lending and credit analysis, Loan Review, etc.

- Candidates with MBA-Finance or equivalent/ Chartered Accountant preferred.

- In-depth understanding of various credit products viz. - term loans, working capital, trade facilities, bank guarantees, etc. and associated credits risks.

- Sound knowledge of accounting principles and practices.

- Proficient in Excel/Advanced Excel, proficient in software packages, preferred.

- Excellent verbal & written English communication skills and inter-personal skills

What additional skills will be good to have?

- The complexity of analysis and decision-making requirement for the job holder is high in view of the diversified nature of the Asia Pacific portfolio. Broad industry / market knowledge, strong analytical thinking and sound credit judgment / evaluation skills are necessary for a thorough assessment of potential problem accounts. A high level of problem-solving skills and commercial orientation are required to provide guidance while devising strategies for these troubled relationships.

- The job holder is expected to exercise discretion in carrying out duties and be accountable for his/her judgment.

- The job holder must be ready to work independently in a somewhat unstructured environment.

- The job holder should be a strong team player and have the ability to motivate and train the team to optimize output.