Head of CRM, SME / Corporate and Commercial Credit

Responsibilities

• Review, assess and approve complex and substantial credits with designated credit authority, and to ensure all credit risks have been deliberately reviewed, exhaustively revealed, prudently evaluated and properly defined.
• Uplift lending practice and credit risk management control to prevent credit loss and minimize credit risk.
• Ensure credit policies and lending guidelines responsive to the latest business environment and risk prevention in accordance with regulatory requirements and our risk appetite.
• On-going credit monitoring of excesses and past dues.
• Early identify deteriorating credit and timely review and update the loan classification.
• Report credit quality to senior management timely. 
• Liaise with regulators, internal and external auditors on the refinement of credit management and respond to their findings and recommendations promptly.
• Participate as a member of Credit Committee, Loan Review Committee, NPAP and Early Warning Review Forum etc.
• Maintain and enhance our IRB bank status and uphold our credit rating systems.  
• Manage internal operation such as uplift of operation efficiency, allocation of duties, refinement of operations system and procedures. 

Requirements

• University degree in business administration, banking, accounting or finance or equivalent, and preferably with MBA
• At least 15 years credit experience in commercial and SME banking with extensive coverage in Hong Kong, Macau and China
• Possess In-depth knowledge of the principles, practice and techniques of credit approval and risk assessment.
• Strong leadership, strong analytical and problem-solving skills
• Prudent, initiative, open-minded and with tactful communication skills
• Proficient in Microsoft Office including MS word, PowerPoint and Excel