Executive Deputy General Manager, WBG Credit Risk

Key Responsibilities

• • Approve both corporate credit transactions fall within the delegated authority and act as member of Credit Committee.
  • Uphold the Bank’s risk appetite and underwriting standards, follow through the compliance requirements as well as the rules and regulations laid down by the regulators.
  • Lead an approval team to meet the Bank’s risk management framework and underwriting standards in all the whole banking credit applications.
  • Advise marketing units for sizeable and complex transactions or make recommendation to the Credit Committee.
  • Sponsor the new product groups for development of new general banking products.
  • Review credit policies and procedures to streamline the efficiency of credit approval.
  • Formulate new internal guidelines or work with other units in updating or laying down new policies to meet the regulatory requirements.
  • Formulate new credit approval guideline, process or underwriting standards. Work with Human Resources on credit training for Wholesales Banking Relationship Managers.
  • Review credit and legal documentation in relation to extended credit facilities.
  • Proactively response and communicate with on-site examiners of HKMA and the Bank’s external auditors.
  • Host the early alert committee to help identify and resolve accounts with warning signals.
  • Work closely with other teams of RMG in risk infrastructure development and regulatory reporting.
  • Assist supervising branches and subsidiary bank from Head Office perspective to ensure consistency in risk decisions.
  • Liaise with Head Office in co-operation and implementing of risk collaboration.
  • Carry on the day-to-day responsibilities and functions as assigned by Department Head.

Requirements

• • Degree holder in Accounting, Finance, Business Administration or related disciplines.
  • Professional qualification e.g. CCRP(CPM), FRM or CPA preferred.
  • Minimum 15 years of relevant working experience preferably in credit risk management and credit approval gained from banking industry, with at least 7 years in managerial level.
  • Understanding of new regulations particularly China related and HKMA SPM.
  • In-depth knowledge of accounting principles and financial statement analysis.
  • Well versed general banking knowledge preferably with specialized areas such as structured finance, PRC cross border financing / banking, real estate financing, etc.
  • Good understanding of new regulations particularly China related and HKMA SPM.
  • Good credit judgment, excellent interpersonal and communications skills.
  • Good command of written and spoken English and Chinese (including Putonghua).