Senior Credit Manager- Corporates

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Basic Job Information

Job Category	:	Banking / Insurance /Financial Services
Job Level	:	Senior Level
No. of Vacancy/s	:	[ 1 ]
Job Location	:	Kathmandu
Offered Salary	:	Negotiable
Apply Before(Deadline)	:	Aug. 08, 2017 00:00 (2 years ago)

Job Specification

Education Level	:	Master
Experience Required	:	More than or equals to 7 years

Other Specification

MBA in Finance / Accounts from a recognised university. Preference will be given to those with additional professional qualifications like CA, CFA, etc.
Min. of 7 years of experience in corporate relationship management / lending
Strong risk analytical approach and skills
Very good writing and communication skills in English

Job Description

To ensure that the quality of the corporate credit portfolio in the Bank is maintained within acceptable parameters, as defined by the Credit Policy and Portfolio Standards (PS)
Exercise risk control responsibility for Credit Risk in Corporate portfolio in the Bank
Formulating and obtaining approval of Local Credit Policy / Underwriting Standards
Approval of Business Credit Applications falling within own discretion and support of applications, which require review outside the territory.
Assisting Business in identification and managing up or out of accounts exhibiting signs of deterioration and assisting Special Assets Management, where appropriate,
in managing substandard accounts
Ensuring that the quality of Business Credit Applications (BCAs) meets Group standards, particularly with regards to the completeness and depth of risk analysis
Regular stress testing of portfolio / segments as required by internal and external factors and review results and assessing their implications
Ensure Early Alert process, for clients with weaknesses or potential weaknesses, is adhered to and lead monthly Credit Issue Committee discussions
Monitoring and reporting breaches to Risk Triggers outlined in Underwriting Standards and breaches of Local Portfolio Standards parameters on monthly / quarterly basis
Monitoring compliance with Credit Policy, Local Portfolio Standards, portfolio targets and business strategy on a monthly / quarterly basis
Daily monitoring of portfolio with respect to excess, past due, renewal of security documents, etc
Timely submission with accuracy of Nepal credit portfolio data to the Risk Committee
Undertake regular customer visits to keep abreast of local market developments and better understand the business environment
Apply a duty of care and awareness, for the full spectrum of risks (including operational risk, reputational risk, event risk, etc) over the Corporate Business.
Ensure compliance to the Risk Management framework
Effectively manage the key stakeholders relevant to the roles and build net work with the stakeholders inside and outside the bank
Reporting of material risk exposures and related issues to the responsible governance committees and to Group and business-level committees as appropriate
Implementing and compliance of all applicable rules, regulations, policy and procedures effectively in the risk management of the credit portfolio
Co-ordinating with local resources to ensure that credit systems are installed in accordance with Group standard and local regulations
Effective management of the loan asset portfolio for maximizing Economic Revenue and maintaining credit quality