Credit Risk Manager
8 hours ago
Job Description
Tangspac is seeking a seasoned Credit Risk Manager to join our team in enabling strategic financial growth. This critical role will be responsible for overseeing the credit approval process, ensuring effective risk management and adherence to regulatory requirements.
Key Responsibilities:
- Credit Adjudication & Risk Oversight: Lead the credit approval process, ensuring thorough assessment and effective risk management for all credit proposals.
- Senior-Level Guidance: Provide guidance on credit applications, identifying potential risks and recommending mitigation strategies.
- Credit Governance: Ensure adherence to credit policies and regulatory requirements, maintaining a high standard of credit governance.
Corporate Banking Risk Management:
- Risk Assessments: Collaborate with the Corporate Banking department to provide comprehensive risk assessments for high-value corporate clients and large credit exposures.
- Business Alignment: Partner with corporate bankers to ensure credit risk management aligns with business objectives and growth strategies.
- Credit Portfolio Management: Oversee the management of credit portfolios, optimizing risk exposure while supporting business growth.
Financial Analysis & Risk Evaluation:
- Financial Analysis: Lead in-depth financial analyses, including balance sheet reviews, cash flow projections, and stress testing, to assess client viability and potential risks.
- Financial Insights: Present detailed financial risk insights and recommendations to senior management, facilitating informed decision-making.
- Risk Modeling: Utilize advanced financial modelling to evaluate and predict risk outcomes, ensuring proactive credit risk management.
Industry Knowledge & Strategic Risk Insights:
- Industry Expertise: Maintain an up-to-date understanding of key industry sectors, economic developments, and regulatory changes that impact credit risk.
- Strategic Advice: Provide strategic advice to senior leadership on sector-specific risks and opportunities, helping to shape credit risk policy and strategy.
- Knowledge Sharing: Foster a culture of knowledge sharing within the team, mentoring junior staff on credit risk trends and sector-specific analysis.
Qualifications & Skills:
- Education: Bachelor's degree in Finance, Business, Economics, or a related field; an advanced degree (MBA or CFA) is highly desirable.
- Experience: Minimum of 10 years of experience in credit risk management, with significant exposure to corporate banking.
- Expertise: Demonstrated expertise in credit analysis, financial risk assessment, and portfolio management.
- Sector Knowledge: Strong knowledge of industry sectors and the ability to integrate economic trends into credit assessments.
- Leadership Experience: Proven leadership experience, with the ability to manage teams and work cross-functionally with senior stakeholders.
- Analytical & Communication Skills: Excellent analytical, communication, and decision-making skills, with a focus on driving risk-aware business growth.
- Regulatory Frameworks: In-depth knowledge of regulatory frameworks and credit governance in a banking environment.
Estimated Salary: $120,000 - $180,000 per annum, depending on qualifications and experience.
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