Job responsibilities
This position is responsible for management level review and assessment as 2nd line of defence. The reprimaly responsibility is below.
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Prepare and review independent assessment and recommendation on the credit quality of proposed credit facilities
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Assess and approve or reject individual credit applications from front offices in charge of real estate, LBO, Fund, and FI in Asia Pacific region within delegated authority
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Present the analysis performed in credit committees and in written reports, and explain to Senior management in Tokyo to obtain approbal for applications
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Work with front office to prepare timely and insightful annual reviews of counterparties and credit facilities, including reviewing internal ratings
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Monitor obligor's financial, collateral performance and loan covenants of existing portfolio including periodic reporting
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Monitor and control the Bank’s credit exposure by each borrower, sector, country and to secure its portfolio is well diversified and risk resilient.
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Lead and supervise Special Credit obligors (pre-non performing loan customers) and take measures for minimizing credit cost
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Ensure adherence to credit and other relevant internal policies and procedures.
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Build a strong compliance and risk management culture, ensuring compliance with the Bank’s risk policies, procedures, regulatory compliance standards and required practices.
Job Requirements
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Degree/Masters degree in Banking and Finance or equivalent
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At least 15 years working experience in bankiing, prior Credit experience is a must
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Strong financial & credit analytical skills especially for Real Estate Finance, LBO, Fund finance, FI business
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Provide counsel to business partners including senior stakeholders and relevant business departments
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Strong critical thinking, with the ability to understand detailed business and risk concepts, develop and defend an independent position based on a pragmatic and balanced assessment
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Strategic and able to articulate vision and direction
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Strong leadership and senior stakeholder management skills
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Strong communication
