• Negotiable
  • Hong Kong
  • Permanent, Full time
  • Standard Chartered Bank Hong Kong
  • 2018-07-15

Senior Credit Manager

  • Location: Hong Kong
  • Salary: Negotiable
  • Job Type: Full time

* To ensure that the quality of the Financial Institutions credit portfolio of Corporate & Institutional, Greater China, is maintained within acceptable parameters, as defined by the Credit Initiation & Approval Policy and country Portfolio Standards (PS), and that the reporting of information relating to that portfolio is timely and accurate * To instil a strong credit culture by setting the highest standards and demanding that these are maintained by all Business teams in country

Key Roles and Responsibilities

  • Inform the development of business' plans with the provision of cost and impairment forecasts and a balanced judgement on the external environment
  • Communicate the strategic intent and collective agenda for the Function
  • Maintain and develop the Function's risk capabilities, and skills to meet ongoing business needs and plans

  • Supervise all processes where a member of the Function is the identified first line process owner
  • Ensure effective management of the operational risks within the Function and compliance with applicable internal policies, and external laws and regulations
Risk Management

  • Ensuring that the quality of Group Mandates, Business Credit Applications (BCAs) and other credit submissions meets Group standards, particularly with regards to the completeness and depth of risk analysis
  • Approving breaches of Local Portfolio Standards, to the extent permitted by Corporate, Institutional and Commercial Credit Policy
  • Formulating and obtaining approval of Portfolio Standards which is supportive (from credit risk perspective) of the business strategy of various segments
  • Ensuring credit related issues be timely raised to Senior Credit Officer with all necessary suggestions for rectifications
  • Assisting Senior Credit Officer on timely submission of portfolio reviews and ensure accuracy of Financial Institutions credit portfolio data as and when required
  • Ensure compliance to the Operational Risk framework including the effective application of risk toolkit (self-assessments, KRIs, KCSs, etc) and reporting
  • Initiate or assist stress tests as required by internal and external factors and review results and assess their implications
  • Uphold the integrity of risk/return decisions, by challenging business to demonstrate that risk origination and control decisions are properly informed and consistent with strategy
  • Direct appropriate response to material events or other risk issues that come to the SCO's attention
  • Exercise risk control responsibility for Credit Risk, Corporate, Institutional and Commercial, Hong Kong
  • Ensure that material risk exposures and related issues are reported to Senior Credit Officer and/or Function as appropriate
  • Maintain a good understanding of the requirements of key external stakeholders in respect of risk management and ensure these are well understood internally
  • Ensure first line process owners understand and accept their risk management responsibilities
  • Maintain an open and cooperative relationship in dealings with regulators
  • Provide a reference point on credit systems for collating and passing on to Group Technology and Operations problems and proposed enhancements
  • Increasing working profits through effective management of the loan asset portfolio in order to help develop the franchise in a sustainable way and minimise provisions

Qualifications and Skills
  • Solid experience in the Financial Institutions banking industry, including relevant technical proficiency in credit risk management
  • A clear understanding of the Bank's approach to the management of credit risk, or equivalent experience gained in other organisations
  • The sound judgement and courage necessary to perform a control role and maintain effective working relationships
  • Relevant graduate qualifications; Post-graduate qualifications such as MBA, CFA, Chartered Accountancy

Hong Kong Hong Kong Hong Kong HK