Credit Manager-FI Risk

As a Wholesale Banking Risk Manager, your role involves managing and overseeing the bank's lending process for Financial Institutions (FI). You will be responsible for evaluating creditworthiness, credit scoring models, maintaining portfolio quality, and ensuring alignment with regulatory and internal policy frameworks. Collaboration with credit systems support teams is essential to implement key credit policy criteria in relevant credit acceptance and evaluation systems. Your key responsibilities include: - Facilitating regular asset quality reviews with analytical insights to identify risks and opportunities and recommending appropriate actions. - Researching and evaluating clients" creditworthiness, particularly within the Financial Institutions segment. - Approving or rejecting loan requests based on credibility and potential revenue/loss impact. - Calculating and setting interest rates, negotiating loan terms with clients to mitigate risk. - Reviewing and updating credit policies and risk acceptance criteria in response to changes in legal, regulatory, market, or business conditions. - Developing and maintaining credit scoring models for risk assessment. - Following up with clients to manage debt settlements and loan renewals. - Ensuring adherence to bank guidelines and regulatory standards. - Conducting portfolio analysis, trigger reviews, and supporting delinquency control. - Sharing best practices and insights across the team to enhance decision-making. In addition to your primary responsibilities, you will also be involved in: - Recommending process and policy improvements across the Wholesale Banking business to enhance operational efficiency and customer service. - Collaborating with internal stakeholders to leverage synergies and drive strategic outcomes. Key Success Metrics for your role include: - Portfolio Quality - Risk-adjusted Returns - Compliance with Credit Policy and Regulatory Guidelines If any further information is included in the job description, kindly provide that for a more detailed summary.,