Vice President, Credit Risk - Credit Management - Commercial MY
CIMB Group · Malaysia
Strategy and Planning
- Supervise and effectively leverage on non-retail credit risk management Tools including, but not limited to, Rating Methodology, Early Warning Indicators (EWI), Risk Acceptance Criteria (RAC), Country Sector Limit, Stress Testing, JDA Framework and Non-Retail Credit Risk Portfolio Reporting, so as to ensure a robust and independent underwriting, approval and portfolio review process that is aligned with Board approved Risk Posture and Risk Appetite.
- Keep abreast of market and regulatory developments that could impact underwriting standards and asset quality. Make recommendations for changes in the various Tools as required.
- Ensure timely initiation of client and/or portfolio reviews using the EWI framework, and timely and accurate classification of Watch List names, inclusive of corrective actions steps by the SBU’s.
- Ensure appropriate application and usage of the Joint Delegated Approval Framework.
Business Performance and Management
- Manage underwriting and portfolio quality by working closely with Business Units to ensure Tools are understood and implemented.
- Engaged in back testing of program lending programs (if necessary).
- Work closely and constructively with key stakeholders by building strong relationships and contributing to the Bank’s success from a non-retail credit scope.
- Any other responsibilities / task as assigned by HOD / Deputy HOD from time to time.
People Management
- Take an active role in the development of people through the KPI, performance management processes and learning and development opportunities.
- Be an engaged leader by setting the tone from the top that facilitates an environment of empowerment and motivation.
Regulatory Compliance
- Ensure credit approvals are done in compliance with all relevant regulatory requirements.
- (Where relevant) to engage with internal/external audits as well as regulators.
Be actively involved and encourage the self-identify of operational risk issues. (Where relevant).
This role resides in the second line of defence. The role is responsible for managing (if applicable) and identifies, evaluates measures, mitigates, and recommends and/or approves non-retail credit risk credit proposals within the Board-approved Risk Posture and Risk Appetite. Oversees monitoring the non-retail credit risk of the assigned portfolios through effectively leveraging of various policies, procedures, frameworks, methodologies, as well as governance and reporting (“Tools”).