About this role
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- Job Description
- Job Responsibilities
- Oversee and direct all aspects of the credit review process, including the evaluation of creditworthiness, analysis of financial statements, and assessment of credit risk for various loan portfolios.
- Develop, implement, and continuously refine credit policies and processes to ensure compliance with regulatory requirements and best practices, enhancing the bank's credit risk management framework.
- Lead and mentor a team of credit analysts, fostering a culture of high performance, continuous learning, and customer centricity.
- Monitor key credit risk indicators and trends, providing timely and accurate reports to senior management and relevant committees.
- Collaborate closely with business units to understand their credit needs and ensure credit review processes support business objectives while maintaining prudent risk appetite.
- Conduct in-depth credit analysis of complex and high-value credit facilities, making recommendations on loan structuring and approval.
- Identify and assess potential cybersecurity risks impacting credit operations and collaborate with relevant departments to implement mitigation strategies.
- Manage debt management strategies for problematic loans, working to minimize losses and optimize recovery efforts.
- Stay abreast of industry trends, economic conditions, and regulatory changes affecting credit risk and adapt credit strategies accordingly.
- Effectively communicate credit review findings, recommendations, and policy updates to stakeholders using digital communication channels where appropriate.
- Job Qualifications
- Demonstrated experience in a senior leadership role within credit risk management or credit review, preferably within a large financial institution.
- Strong business acumen with a deep understanding of banking operations, financial products, and market dynamics.
- Expertise in credit analysis, financial statement analysis, and credit score methodologies.
- Comprehensive knowledge of credit policies, credit processes, and best practices in credit risk management.
- Proven ability to identify, assess, and manage various types of credit risks.
- Experience in debt management and recovery strategies.
- Excellent customer centricity with the ability to balance risk management with business needs.
- Understanding of cybersecurity principles as they relate to financial operations.
- Exceptional teamwork and leadership skills, with a track record of building and developing high-performing teams.
- Strong adaptability to changing business environments and regulatory landscapes.
- Excellent written and verbal digital communication skills for effective stakeholder engagement.
- We're committed to bringing passion and customer focus to the business.
- If you like wild growth and working with happy, enthusiastic over-achievers, you'll enjoy your career with us.
