Credit Risk Manager
3 days ago
At DBS Bank (Hong Kong) Limited, we are committed to delivering strong financial performance while effectively managing risk. As a key member of our Risk Management Group, you will play a vital role in assessing and approving credit applications for customers within delegated lending authority.
Responsibilities:
- To review, assess and approve credit applications for customers within delegated lending authority.
- To assess, identify, review and monitor the Bank's credit risk at individual and portfolio level against irregularities identified/deteriorating business conditions to minimize potential NPL.
- To provide high quality comments and advice to business units on risk assessment, monitoring, deal structuring and account strategy.
- To assist business units in maintaining a well-diversified portfolio of credit risk, which produces a reliable, reasonable and consistent return to the Bank.
- To assist Team Head or Department Head to formulate and revise credit policy, credit process, lending guidelines, credit manuals and portfolio strategy in accordance with the changing market environment.
- To facilitate communication among different business units on credit issues and sharing information and techniques on credit risk management so as to develop a culture of deeper relationship, deeper knowledge and more thoughtful credit decision.
Requirements:
- University graduates or equivalent in banking, finance, business administration or other related disciplines.
- Minimum 15 years' corporate banking experience in lending or related activities, preferably with China credit experience
- Credit evaluation experience either in pure credit functions or in different marketing functions especially where complex credits and/or structuring are involved
- Relevant non-banking experience is a possibility if it adds to the person's ability to evaluate risks.
- Sound knowledge of accounting, banking and legal practices
- Strong credit analytical and risk assessment skills
- Good knowledge of the Bank's products, operation system, internal policy and credit guidelines and regulatory requirements
- Good verbal and written communication skills
- Effective people management skill
- Proactive attitudes
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