Senior Credit Risk Manager
4 weeks ago
MariBank is seeking a highly skilled Credit Underwriting and Portfolio Management professional to join our team. As a key member of our credit risk management team, you will be responsible for conducting credit assessments, designing credit approval processes, and overseeing daily credit operations.
Key Responsibilities:- Credit Assessment and Approval: Conduct thorough credit assessments on SME loan applications, utilizing bank statements and financial statements to inform credit decisions.
- Process Design and Implementation: Design and implement credit approval processes and systems to ensure efficient and effective credit decision-making.
- Portfolio Monitoring: Set up and oversee procedures for daily credit operations, working closely with operation teams to manage day-to-day matters arising from SME loan onboarding and portfolio monitoring.
- Credit Risk Management: Formulate credit risk management frameworks to ensure the SME and Retail loan portfolio stays within the bank's risk appetite and complies with regulatory requirements.
- Policy Development: Develop and maintain credit policies and procedures, managing timelines for product program and credit policy renewal.
- Stakeholder Collaboration: Work with stakeholders to develop product programs and test programs to support new business and product launches, ensuring compliance with applicable credit policies and processes.
- Loan Origination and Portfolio Management: Develop and maintain loan origination and portfolio management policies for SME and retail lending products, including underwriting rules, limit assignment, and risk-based pricing.
- Risk Profiling and Analysis: Perform periodic monitoring of risk profiles, concentrations, and economic, industry, and regulatory developments.
- Portfolio Performance Analysis: Conduct portfolio performance analysis and make recommendations on credit risk actions when necessary to ensure sound portfolio quality.
- Credit Portfolio Stress Testing: Participate in credit portfolio stress testing on a regular basis to fulfill both internal and regulatory requirements.
- Relief Programs: Work with business and collection teams to implement industry-wide or internal relief programs when required.
- Business Collaboration: Work closely with business teams, development, and other functions on new initiatives as necessary.
- Credit Assessment Experience: 5+ years of experience in approving SME loans and conducting independent credit assessments, with a good understanding of industry risk.
- Education: Bachelor's degree or above in Business, Finance, or Statistics.
- Regulatory Knowledge: Familiarity with MAS regulations, including MAS Notice 635, 656, 612, and MAS Guideline on Risk Management Practices.
- Analytical and Communication Skills: Analytical mindset, good communication and presentation skills.
- Self-Driven and Meticulous: Meticulous and self-driven to produce end results.
- Credit Risk and Collections Knowledge: Good knowledge of credit risk and collections scorecards.
- Portfolio Monitoring Techniques: Knowledge of portfolio monitoring techniques and tools, such as MS PPT, PySpark/SQL (a plus).
- PowerCurve Strategy Management: Knowledge of PowerCurve Strategy Management (or equivalent decision engine) is a plus.
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