Manager - Credit Risk - Wholesale Banking

Given below position details with a Leading Bank :

Role/ Job Title : Credit Risk Manager-Wholesale Banking

Function/ Department : Wholesale Banking Risk

Job Purpose :

- The role holder has the responsibility to administer bank's lending process, from evaluating clients' creditworthiness to approving or rejecting loan requests.

- It entails the responsibility of creating credit scoring models, setting loan terms and determining interest rates.

- The role holder has to partner with credit systems support team to implement key credit policy criteria in relevant credit acceptance & evaluation systems.

Roles & Responsibilities :

- Facilitate regular asset quality reviews with provision of analytics insights to identify risks/ opportunities and recommend relevant actions.

- Research and evaluate clients' creditworthiness.

- Approve or reject loan requests, based on credibility and potential revenues and losses.

- Calculate and set interest rates, negotiate loan terms with clients.

- Ensure credit policies and program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes in legal /regulatory requirements, business strategies, market environment or portfolio performance.

- Develop, review and update bank's credit policies.

- Follow up with clients to manage debt settlements and loan renewals.

- Create credit scoring models for risk assessment.

- Assure adherence to the guidelines set by the bank.

- Maintaining records of all bank loans, monitor loan payments and bad debts.

- Analysis of portfolio and ensuring Portfolio monitoring, trigger reviews & delinquency control.

- Capture and share best- practice knowledge amongst the team.