Assistant Manager – Credit Risk

• Review credit limit and transaction applications, providing risk-based opinions.
• Validate internal credit rating applications and ensure accuracy.
• Administer the Drawdown Centre process and procedures.
• Ensure all processes comply with internal policies and manuals.

• Ensure compliance with credit policies; monitor risks such as counterparty concentration, credit limit expiries, and covenant adherence.
• Conduct ongoing post-lending monitoring, identifying risk changes and triggers, and offering recommendations based on findings.
• Monitor past dues, non-performing assets, and manage loan write-offs.

• Collaborate with Front Office to resolve policy breaches.
• Maintain monitoring tools for credit limits and ratings, ensuring timely renewals.
• Ensure annual post-lending reports are completed and track excess exposures.
• Facilitate roll-overs and ensure Front Office Departments adhere to interest period requirements.

• Manage meeting scheduling and documentation for Credit Committees and Deal Forums.
• Draft meeting minutes and maintain records.

• BCom in Finance, Economics, or related field (Essential)
• Postgraduate qualification in Finance (Desirable)

• 2-5 years in Banking/Financial Services (Essential)
• 2-5 years in Credit/Business Analysis (Essential)
• 2-5 years in Risk Management (Desirable)

• Essential: Experience in analysing financial statements, credit applications, and compiling credit assessment reports.
• Essential: Broad understanding of banking functions and operations.
• Desirable: Knowledge of banking regulations.

• Essential: Advanced proficiency in MS Office (Excel, Word, PowerPoint).
• Essential: Strong analytical skills with a keen attention to detail.
• Essential: Excellent written and verbal communication.
• Essential: Strong time management and organizational skills.

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