Head of Credit Review 1

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.