Credit Risk Manager

Job Summary:

The Credit Risk Manager is responsible for the credit risk assessment and management process within the organization. This role ensures that the company maintains a healthy credit portfolio by identifying, analyzing, and mitigating potential credit risks while ensuring compliance with regulatory guidelines and internal policies.

Key Responsibilities:

- Risk Assessment: Evaluating the creditworthiness of potential borrowers by analyzing financial statements, credit reports, and market conditions.

- Policy Development: Developing and implementing credit risk policies and procedures to minimize losses and ensure compliance with regulatory requirements.

-  Portfolio Management: Monitoring and managing the bank’s credit portfolio to identify and mitigate potential risks.

- Reporting: Preparing detailed risk reports for senior management and regulatory bodies, highlighting key risk exposures and trends.

- Stress Testing: Conducting stress tests and scenario analyses to assess the impact of adverse economic conditions on the bank’s credit portfolio.

- Collaboration: Working closely with other departments, such as underwriting, finance, and compliance, to ensure a cohesive approach to risk management.

- Regulatory Compliance: Ensuring that all credit risk management practices adhere to relevant laws, regulations, and industry standards.

The role requires strong analytical skills, attention to detail, and a deep understanding of financial markets and regulatory environments.

 Qualifications:

- BS degree in Finance, Statistics or related field.

- Further certification may be required.

- More than +7 years’ experience.

-  Credit Course is preferable or any CFA level.

-  Up to date with legal, compliance and market risk related issues.

- Ability to analyze cash flows, leverage, collateral and customer strength.

- Strong communication and presentation skills.

- Excellent organizational, analytical, and time-management skills.

KPIs:

- Default Rate < 3 %

- Ability to process file within 3 working Days from receiving all doc & credit meeting.