Credit Risk Manager
SCOPE OF JOB: Responsible for the adoption and execution of the business strategy for credit in accordance with the global corporate strategy. This involves primarily the approval of loans and maintenance of the retail and commercial credit portfolio within acceptable risk parameters. Responsibilities also include implementation of credit risk management policies and establishment of processes and procedures to ensure adherence. MAIN DUTIES AND FUNCTIONS The incumbent is responsible for : Receiving and reviewing new credit proposals and analysis from Originators and conducting a high level assessment to determine suitability of credit risks in potential Borrowers before submission to the Credit Committees. Review and approval of Customer Documentation in accordance with Regulatory guidelines and JMMB Bank Know Your Client (KYC) policies and procedures. Performing timely review and providing feedback on financial statements and general credit analysis of current loan portfolio as performed by Retail Credit Risk Managers/Officers. Monitoring and approving the Portfolio delinquency management as performed by Delinquency Management Officers, Credit Administration and Relationship Management Personnel. Attending select business calls with Originators. Liaising with Corporate Relationship Managers and Credit Committees on additional analysis to determine acceptance of credit risk in a potential borrower. Assessing periodic industry review prepared by Credit Risk Managers/Officers and making appropriate recommendations on reductions in Industry Concentration. Assessing and compiling summary of industry reviews prepared by Credit Risk Managers/Officers on a quarterly basis for presentation to the Credit Committee. Conduct In-House Credit Training of Lending Managers and Credit Officers. Attending Review and Risk Policy Committee meetings along with Head of Risk department to present quarterly Credit Risk Management report. Performing the monthly or quarterly loan provisioning assessment of the Bank's total loan portfolio and make recommendations to the Chief Credit Risk Officer for loan provision charges and/or loan write-offs. EDUCATION, TRAINING & WORK EXPERIENCE REQUIRED: A 2 nd Degree with specialization in Finance, Accounts, Management Studies or equivalent qualifications. Minimum Five (5) years of experience in Lending/Credit Risk Management to include relationship management/origination within the financial sector at a senior level in Corporate Lending/Credit Risk Management. Thorough knowledge of spreadsheet applications. Full knowledge of credit administration. Sound knowledge of credit appraisal and analysis techniques for corporate and retail lending. Thorough knowledge of Special Credit Funding including DBJ and EX-IM credit processing as well as other International Agencies Guarantee process. Working knowledge of the relevant sections of the Banking Services Act, BOJ Guidelines on Credit Management and Other Best Practices for Credit Risk Management including the proposals of Basel II/III. Excellent Financial Analysis Skills. Strong knowledge of Collateral assessment and Loan Delinquency Management. Experience in the negotiation and structuring of large corporate deals. Excellent knowledge of the financial sector laws, regulations, ethics and professional jargon. Deep understanding of consumer behavior and the operation of the business sector. Excellent communication skills and very good inter-personal skills. Strong analytical skills & excellent credit risk management skills. Knowledge of securities for advances / loans. Knowledge of the statute and practice relating to corporate and retail lending / delinquencies.