Manager, Credit Risk

Experienced Credit Risk Manager responsible for assessing credit quality, monitoring risk exposure, ensuring policy compliance, supporting portfolio reviews, and providing guidance to business lines.

Manager, Credit Risk

Functional Assignment:

This position is responsible for supporting the Credit Risk function through the assessment, on a loan specific or portfolio-wide basis, of credit quality and corresponding potential loan or other loss exposure for the various loan portfolios and activities which create credit risk. Monitor compliance with, and adequacy of, established business line and corporate policies.  The Manager will provide general support to the Chief Risk Officer and Senior Manager Credit Risk and as required, liaise with business lines to assess the quality of portfolios, provide coaching and training, where required.  

Key Accountabilities:

• Works closely with the Chief Risk Officer to develop and accomplish goals and strategic plans established by the Board of Directors and company executives.  
• Assists with the preparation and maintenance of the Bank`s Risk Management Framework. 
• Ensures that internal policies and practices reflect the bank’s risk appetite and that any changes in law or regulations are considered and applied; recommends changes to policies and procedures to minimize the Company’s risk. 
• Maintains a high level of working knowledge of banking laws and regulations; reads and interprets various publications and circulars; attends seminars and meetings with peers. 
• Perform risk assessments and review the assessments on the credit proposals submitted by business units; exercise credit judgment; and make sound credit recommendations and/or decisions to the Chief Risk Officer; 
• Ensure all internal credit policies and procedures are adhered to and help to develop or enhance such policies and procedures; 
• Assists in the meeting of asset quality targets for the lending portfolio via ensuring adherence to Bank credit risk policy, guidelines & procedures. 
• Identifies and elevates to the Chief Risk Officer any situations of non-compliance with lending authorities, credit risk policy, guidelines and procedures or any other perceived lending improprieties. 
• As required, liaises with business units and provide support and guidance on proposals and any credit matters. 
• Facilitates, as required, the successful execution / implementation of all risk related Supports delinquency management - facilitates the remediation, downgrade and closure of deficiencies relating to credit policy and procedures and dealing with policy and procedural systems. 
• Provide support to the Bank’s the Retail and Commercial Bank Department Arrears Committee. 
• Other duties as assigned. 

Education & Experience:

• Bachelor’s Degree in Business Management or related field. 
• Significant generalist broad based Risk knowledge particularly Credit Risk.
• Knowledge of management of remedial loans will be an advantage. 
• Minimum five (5) years’ experience in banking environment. 

Personal Characteristics:

• Excellent judgment, decision-making, problem solving and organizational skills with the ability to multi-task in a fast paced environment, including ability to negotiate, compromise and demonstrate diplomacy in sensitive situations and to interact effectively with senior management. 
• Ability to work under pressure and adhere to strict deadlines. 
• Ability to manage numerous simultaneous priorities in a dynamic and fast-paced environment. 
• Ability to manage and develop personnel resources. 
• Ability to disseminate information and guidelines clearly to employees and check for understanding. 
• Ability to work independently and collaborate effectively as a team member.
• Exhibit high degree of professionalism and confidentiality in handling and having access to sensitive information. 
• Accuracy and attention to detail.