Credit Manager-FI Risk

Job Requirements

Business: Wholesale Banking

Function/ Department: Wholesale Banking Risk

Job Purpose

Roles & Responsibilities

• Facilitate regular asset quality reviews with analytical insights to identify risks and opportunities, recommending appropriate actions.
• Research and evaluate clients’ creditworthiness, particularly within the Financial Institutions segment.
• Approve or reject loan requests based on credibility and potential revenue/loss impact.
• Calculate and set interest rates; negotiate loan terms with clients to mitigate risk.
• Review and update credit policies and risk acceptance criteria in response to changes in legal, regulatory, market, or business conditions.
• Develop and maintain credit scoring models for risk assessment.
• Follow up with clients to manage debt settlements and loan renewals.
• Ensure adherence to bank guidelines and regulatory standards.
• Maintain records of all bank loans; monitor loan payments and manage bad debts.
• Conduct portfolio analysis, trigger reviews, and support delinquency control.
• Share best practices and insights across the team to enhance decision-making.
  

Secondary Responsibilities

• Recommend process and policy improvements across the Wholesale Banking business to enhance operational efficiency and customer service.
• Collaborate with internal stakeholders to leverage synergies and drive strategic outcomes.
  

Key Success Metrics

• Portfolio Quality
• Risk-adjusted Returns
• Compliance with Credit Policy and Regulatory Guidelines