Credit Risk Manager

Duties and responsibilities

• Contributing to strong credit culture in their respective areas by providing leadership and coaching to their staff.
• Providing independent reviews and approvals for certain extensions of credit as required by this Policy.
• As approvers of credit limits, Credit Risk Managers are expected to read, review and scrutinize all credit requests presented to them.
• Performing pro-active risk management of transactional and portfolio activities within all the coverage areas of the Bank.
• Ensuring that Risk Management policies, standards, and practices are adhered to by the Business Units and all coverage areas.
• Approving credits and transactions within their approved delegated authorities.
• Whenever required, assisting the Business Units in establishing business-specific risk management practices for the approval, measurement, reporting, monitoring, limiting and analysis of risk.
• Assisting in the identification, escalation, classification and management of problem credits.
• Reporting all Policy exceptions to CRO; and requesting required approvals on policy exceptions.Job specificationExperience
• 7–10+ years of relevant banking or financial services experience, with significant experience in credit risk, credit analysis, corporate banking, commercial banking, or related areas.
• Proven experience in credit assessment and portfolio risk management.
• Experience reviewing complex corporate, commercial, SME, or institutional credit exposures.
• Experience with credit risk policies, risk appetite, limits, and governance frameworks.
• Experience with NPL management, restructuring, provisioning, and credit portfolio monitoring.
• Experience presenting credit risk recommendations to senior management and/or credit committees.
• Knowledge of regulatory requirements and banking risk management frameworks.
• Experience with financial modeling, credit analysis, and risk reporting.
• Experience managing or mentoring credit risk analysts/officers is preferred.