Enterprise Risk Manager

<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="648" style="width:6.75in;background-image:initial;background-position:initial;background-size:initial;background-repeat:initial;background-attachment:initial;background-origin:initial;background-clip:initial"> <tbody><tr> <td width="176" valign="top" style="width:132.35pt;padding:0in 0in 0in 0in"> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt;color:black;mso-color-alt:windowtext">POSITION</span></b><span style="font-size:10.0pt"><o:p></o:p></span></p> </td> <td width="17" valign="top" style="width:12.75pt;padding:0in 0in 0in 0in"> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt;color:black;mso-color-alt:windowtext">:</span></b><b><span style="font-size:10.0pt"><o:p></o:p></span></b></p> </td> <td width="455" valign="top" style="width:340.9pt;padding:0in 0in 0in 0in"> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt;color:black;mso-color-alt:windowtext">Enterprise Risk Manager (ERM) / Enterprise Risk Specialist (ERS)</span></b><b><span style="font-size:10.0pt"><o:p></o:p></span></b></p> </td> </tr> <tr> <td width="176" valign="top" style="width:132.35pt;padding:0in 0in 0in 0in"> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt;color:black;mso-color-alt:windowtext">REPORTS TO</span></b><span style="font-size:10.0pt"><o:p></o:p></span></p> </td> <td width="17" valign="top" style="width:12.75pt;padding:0in 0in 0in 0in"> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt;color:black;mso-color-alt:windowtext">:</span></b><b><span style="font-size:10.0pt"><o:p></o:p></span></b></p> </td> <td width="455" valign="top" style="width:340.9pt;padding:0in 0in 0in 0in"> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt;color:black;mso-color-alt:windowtext">Enterprise Risk Evaluation Division – Team Head (ERED – TH)</span></b><b><span style="font-size:10.0pt"><o:p></o:p></span></b></p> </td> </tr> <tr> <td width="176" valign="top" style="width:132.35pt;padding:0in 0in 0in 0in"> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt;color:black;mso-color-alt:windowtext">DIRECTLY SUPERVISES</span></b><span style="font-size:10.0pt"><o:p></o:p></span></p> </td> <td width="17" valign="top" style="width:12.75pt;padding:0in 0in 0in 0in"> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt;color:black;mso-color-alt:windowtext">:</span></b><b><span style="font-size:10.0pt"><o:p></o:p></span></b></p> </td> <td width="455" valign="top" style="width:340.9pt;padding:0in 0in 0in 0in"> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt;color:black;mso-color-alt:windowtext">N/A</span></b><b><span style="font-size:10.0pt"><o:p></o:p></span></b></p> </td> </tr> <tr> <td width="176" valign="top" style="width:132.35pt;padding:0in 0in 0in 0in"> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt;color:black;mso-color-alt:windowtext">UNIT / DEPARTMENT</span></b><span style="font-size:10.0pt"><o:p></o:p></span></p> </td> <td width="17" valign="top" style="width:12.75pt;padding:0in 0in 0in 0in"> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt;color:black;mso-color-alt:windowtext">:</span></b><b><span style="font-size:10.0pt"><o:p></o:p></span></b></p> </td> <td width="455" valign="top" style="width:340.9pt;padding:0in 0in 0in 0in"> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt;color:black;mso-color-alt:windowtext">Enterprise Risk Evaluation Division (ERED)</span></b><b><span style="font-size:10.0pt"><o:p></o:p></span></b></p> </td> </tr> <tr> <td width="176" valign="top" style="width:132.35pt;padding:0in 0in 0in 0in"> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt;color:black;mso-color-alt:windowtext">DIVISION / GROUP</span></b><span style="font-size:10.0pt"><o:p></o:p></span></p> </td> <td width="17" valign="top" style="width:12.75pt;padding:0in 0in 0in 0in"> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt;color:black;mso-color-alt:windowtext">:</span></b><b><span style="font-size:10.0pt"><o:p></o:p></span></b></p> </td> <td width="455" valign="top" style="width:340.9pt;padding:0in 0in 0in 0in"> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt;color:black;mso-color-alt:windowtext">Commercial Banking Group / Wholesale Banking Segment</span></b><b><span style="font-size:10.0pt"><o:p></o:p></span></b></p> </td> </tr> </tbody></table> <p class="MsoNormal" style="text-align:justify"><span style="font-size:10.0pt">&nbsp;<o:p></o:p></span></p> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt">&nbsp;</span></b></p> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt">JOB SUMMARY<o:p></o:p></span></b></p> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt">&nbsp;</span></b></p> <p class="MsoNormal" style="text-align:justify"><span style="font-size:10.0pt">The <b>Enterprise Risk Manager (ERM) / Enterprise Risk Specialist (ERS) </b>prepares Credit Proposals through credit evaluation according to the Bank’s policy on an assigned account and recommends appropriate facilities structures. He/She identifies the inherent risk surrounding the account and provides mitigants if necessary.<b> <o:p></o:p></b></span></p> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt">&nbsp;</span></b></p> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt">PRINCIPAL DUTIES AND RESPONSIBILITIES<o:p></o:p></span></b></p> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt">&nbsp;</span></b></p> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt">Analytical and Critical Thinking</span></b></p><p class="MsoNormal" style="text-align:justify"></p><ul style="padding-left:2.5rem"><li><span style="font-size:10pt;text-indent:-0.25in;background-color:var(--primaryWhite)">Joins the&nbsp;ComBank TH/RM/ERM Head in client calls and conducts interviews with ocular inspection to determine the risk profile of the borrower/ client.</span></li></ul><p></p> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt">&nbsp;</span></b></p> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt">Effective Communication Skills</span></b></p><p class="MsoNormal" style="text-align:justify"></p><ul style="padding-left:2.5rem"><li><span style="font-size:10pt;text-indent:-0.25in;background-color:var(--primaryWhite)">Prepares&nbsp;credit proposals with all the information gathered from external and internal checkings</span></li><li>Joins&nbsp;the Relationship Manager in presenting/justifying the loan package for Credit Committee Meeting approval</li></ul><p></p> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt"><br></span></b></p><p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt">Financial Analysis</span></b></p><p class="MsoNormal" style="text-align:justify"></p><ul style="padding-left:2.5rem"><li><span style="font-size:10pt;text-indent:-0.25in;background-color:var(--primaryWhite)">Prepares financial evaluation, which forms part of the Credit Proposal, based on data gathered to determine capacity of the client to pay</span></li><li>Ensures&nbsp;that financial analysis is based on reliable/validated financial statements adhering to validation policy</li><li>Processes and recommends a scorecard based on the latest financial statements in Optimist or in Excel for individual borrowers or Camelot as the case may be</li></ul><p></p> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt">&nbsp;</span></b></p> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt">Governance, Control and Risk Management</span></b></p><p class="MsoNormal" style="text-align:justify"></p><ul style="padding-left:2.5rem"><li><span style="font-size:10pt;text-indent:-0.25in;background-color:var(--primaryWhite)">Keeps&nbsp;himself/herself updated with Credit Policy and its revisions/enhancements to ensure compliance with Bank’s credit and governing policies</span></li><li>Ensures&nbsp;that CPs are sent to Independent Risk Assessment (IRA) Team for accounts that are within IRA scope prior to approval of ALA and replies to IRA were indicated prior to SCC presentation</li><li>Ensures&nbsp;that proposals presented to the approving authorities are in order in terms of completeness, accuracy and form</li><li>Responsible&nbsp;for uploading Credit Proposals in the shared folder of Credit</li><li>Responsible&nbsp;for uploading Excel-based scorecards (and Camelot) in the shared folder of Credit</li></ul><p></p> <p class="MsoNormal" style="text-align:justify"><span style="font-size:10.0pt">&nbsp;</span></p> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt">Planning and Organizing</span></b></p><p class="MsoNormal" style="text-align:justify"></p><ul style="padding-left:2.5rem"><li><span style="font-size:10pt;text-indent:-0.25in;background-color:var(--primaryWhite)">Coordinates with the Relationship Manager on the proposed package/submission of documents/scheduling of client visits/queries regarding the account, and present the account to Credit Committee (CRECOM) meeting</span></li></ul><br><span style="background-color:var(--primaryWhite)">It is accepted and understood that the employee may perform other related tasks which may be assigned from time to time.</span><p></p> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt">&nbsp;</span></b></p> <p class="MsoNormal" style="text-align:justify"><br></p> <p class="MsoNormal" style="text-align:justify"><b><span style="font-size:10.0pt;mso-bidi-font-size:11.0pt">JOB&nbsp;QUALIFICATIONS<o:p></o:p></span></b></p> <p class="MsoBodyText" style="margin-top:2.1pt;margin-right:0in;margin-bottom:0in;margin-left:1.0in;margin-bottom:.0001pt"><b><span style="font-size:8.0pt;font-family:'Arial',sans-serif;mso-bidi-font-family:'Arial MT'">&nbsp;</span></b></p> <p class="MsoNormal" style="margin-left:.5in;text-align:justify"><b><span style="font-size:10.0pt">Years of Related Experience: (</span></b><span style="font-size:10.0pt">ERM) 1 - 2 years of experience; (ERS) experience not required </span><o:p></o:p></p> <p class="MsoNormal" style="margin-left:.5in;text-align:justify"><span style="font-size:10.0pt">&nbsp;</span></p> <p class="MsoNormal" style="margin-top:0in;margin-right:38.0pt;margin-bottom:0in;margin-left:.5in;margin-bottom:.0001pt"><b><span style="font-size:10.0pt">Educational Attainment/Required course&nbsp;</span></b><i><span style="font-size:10.0pt">(if applicable):</span></i><span style="font-size:10.0pt">&nbsp;Bachelor's / College Degree in Industrial, Computer Science/Information Technology, Business Studies/ Administration/Management </span><o:p></o:p></p> <p class="MsoNormal" style="margin-left:.5in"><b><span style="font-size:10.0pt">&nbsp;</span></b></p> <p class="MsoNormal" style="margin-left:.5in"><b><span style="font-size:10.0pt">Certification / Professional License</span></b><span style="font-size:10.0pt">&nbsp;Not Applicable</span><o:p></o:p></p> <p class="MsoNormal" style="margin-left:.5in;text-align:justify"><span style="font-size:10.0pt">&nbsp;</span></p> <p class="MsoNormal" style="margin-left:.5in;text-align:justify"><b><span style="font-size:10.0pt">Job Specialization</span></b><span style="font-size:10.0pt">: Banking and Financial, Credit (Evaluation/Appraisal)</span><o:p></o:p></p> <p class="MsoNormal" style="margin-left:.5in;text-align:justify"><span style="font-size:10.0pt">&nbsp;</span></p> <p class="MsoNormal" style="margin-top:0in;margin-right:38.0pt;margin-bottom:0in;margin-left:.5in;margin-bottom:.0001pt"><b><span style="font-size:10.0pt">Industry:&nbsp;</span></b><span style="font-size:10.0pt">Accounting/Audit/Tax Services, Banking, Investment Houses</span><o:p></o:p></p> <p class="MsoNormal" style="margin-left:.5in;text-align:justify"><span style="font-size:10.0pt">&nbsp;</span></p> <p class="MsoNormal" style="margin-left:.5in;text-align:justify"><b><span style="font-size:10.0pt">Knowledge and Skill Requirements:<o:p></o:p></span></b></p><p class="MsoNormal" style="margin-left:.5in;text-align:justify"></p><ul style="padding-left:2.5rem"><ul style="padding-left:2.5rem"><ul style="padding-left:2.5rem"><li><span style="font-size:10pt">Knowledge of basic&nbsp;</span><span style="font-size:13.3333px;text-indent:-24px">accounting and credit policies</span></li><li><span style="font-size:13.3333px;text-indent:-24px">Financial Statement Analysis</span></li><li><span style="font-size:13.3333px;text-indent:-24px">Good written communication skills/Ability to communicate effectively with external parties and all levels of the organization</span></li><li><span style="font-size:13.3333px;text-indent:-24px">Inquisitive</span></li></ul></ul></ul><p></p>