Credit Risk Manager

BASIC PURPOSE\:
Maximize the bank’s risk-adjusted returns by ensuring credit risk exposure remains within acceptable parameters. This
involves independently identifying, measuring, and communicating the branch’s credit risk profile, monitoring and reporting
on the effectiveness of credit risk controls, conducting periodic reviews of credit-related activities, and recommending
enhancements where necessary.
MAIN DUTIES AND RESPONSIBILITIES\:
Credit Risk Oversight\: Identify, measure, and report significant risks, losses, and the effectiveness of mitigation actions;
monitor policy compliance and recommend corrective measures.
Credit Facility Management\: Appraise credit facilities across Personal, Business, and Corporate Banking segments,
ensuring absolute data integrity, managing queries, and maintaining high-quality documentation in line with policies and
regulations.
Credit Committee Participation\: Review creditworthiness and risks of potential transactions, applying appropriate tools
and models, and propose mitigants to safeguard the bank’s portfolio.
Delinquency & Remediation\: Analyse delinquent accounts, prepare risk reports, support remediation strategies (including
negotiations, recovery actions, and legal coordination), and conduct portfolio reviews to identify causal factors and
recommend timely resolutions.
Collateral & Documentation Custody\: Act as custodian of security vaults and credit documentation, oversee
archival/retrieval processes, maintain registers of security documents, and ensure collateral protection through insurance
renewals.
Stress Testing & Scenario Analysis\: Conduct periodic stress tests and portfolio impact assessments, providing
recommendations to senior management for proactive risk management.
Stakeholder Advisory & Reporting\: Provide guidance on credit risk policies and standards, prepare timely and reliable
credit risk reports for senior management and the board, and ensure accurate collection of fees, commissions, and
charges.
Collaboration & Representation\: Partner with Credit Department functions to balance business growth with risk control,
work closely with recovery units to identify problem accounts, and represent the branch in internal and external
meetings.
Other Duties\: Perform additional responsibilities as assigned by the supervisor.