Leads and manages the Commercial Lending Credit function, overseeing credit assessment, approval, administration, monitoring, risk reporting, portfolio quality and the development of high-performing credit teams.
Responsibilities
- Lead and manage the Commercial Lending Credit function and oversee assessment, review, challenge and approval or recommendation of credit applications within delegated authority
- Lead the team responsible for credit assessment, analysis and approval of Commercial Lending facilities
- Ensure high standards of credit quality through robust assessment, review, sampling and best practices in credit analysis and portfolio management
- Advise the Chief Credit Officer, Credit Committees and stakeholders on changes in borrower, sector and portfolio risk profiles and recommend mitigation actions
- Undertake and oversee comprehensive credit analysis covering counterparty, obligor, industry, business and transaction risks
- Ensure commercial lending propositions are appropriately structured, priced and secured
- Participate in relevant Credit Committees, the Watchlist Committee and other governance forums
- Identify portfolio hotspots, emerging risks, growth opportunities and concentration risks
- Lead the development and enhancement of credit risk reporting and monitoring for the Commercial Lending portfolio
- Provide leadership, direction and oversight to the Commercial Lending Credit team
- Build, develop and lead high-performing teams through coaching, training, delegation and empowerment
- Manage departmental staff performance, including objective setting, reviews, coaching, development and appraisal
- Develop credit risk measurement and portfolio monitoring methodologies, including probability of default, loss given default, expected loss and rating migration
- Review and challenge credit proposals and approval packs submitted to Credit Committees
- Lead the identification, assessment and management of deteriorating accounts and emerging credit risks
- Monitor compliance with credit policies, procedures, delegated lending authorities and regulatory requirements
- Maintain internal assessment models and methodologies for quantifying product, sector and transaction-related credit risks
- Monitor IFRS 9 impairment requirements and expected credit loss for the Commercial Lending portfolio
- Monitor sector, industry and customer concentration risks and recommend mitigation strategies
- Participate in credit system development initiatives, including LMS and CBS
- Continuously review credit processes to improve turnaround time, customer experience, portfolio quality and operational efficiency
Requirements
- Commercial and corporate lending expertise
- Credit risk management and credit analysis
- Cash-flow assessment, transaction structuring and credit risk assessment
- Knowledge of banking products, business law, security documentation and lending principles
- Portfolio management, credit monitoring, restructuring and remedial management
- Knowledge of regulatory requirements applicable to banking and credit risk management
- Understanding of IFRS 9, expected credit loss and non-performing loan management
- Understanding of commercial sectors, market dynamics and factors affecting business and credit performance
- Business understanding of structured transactions
- Leadership of change, adaptability, coaching, delegation and employee performance management
