Vice President - Credit Review Group

Responsibilities:-
 

• To do annual planning for credit review activities and to deal with communication with Head Office departments in Japan and credit review function staff in other region such as Americas or EMEA.

• Continuously review and propose improvement to Internal Audit - Credit Review Group’s review process to ensure adequacy and efficiency of the controls in place against market practice.

• Participate in department-wide initiatives and perform other duties as assigned by Department Head.

• Conduct continuous credit reviews of individual borrowers on an ongoing basis, to assess the appropriateness of risk ratings of Obligor Grade and classification of Borrower’s Category for the Bank’s credit assets booked in Asia Pacific, ensuring adherence to internal grading policies.

• To participate as a team member (‘Person in charge’) for assigned On-site credit reviews and / or Thematic review assignments. Focus of these reviews is to assess appropriateness of risk ratings of Obligor Grade assigned / classification of Borrower Category, adequacy of credit underwriting quality including financial projections, and robustness of credit risk management in line with internal policy requirements. 

• Provide value-added recommendations to Business Units (BUs) based on potential issues identified in all credit reviews.

• Follow-up on open issues identified and conduct validation review on remediation actions taken by auditee, in accordance with IADAP CRG recommendations and address BUs’ concerns accordingly.

• Continuously monitor and update IADAP CRG and local branch management on regulatory changes or market conditions for new and emerging risks in the respective audit locations.

• Travel within APAC region, if required

Requirements:-

• Bachelor’s degree in Finance / Accountancy / Banking, Economics, Business studies / Administration / Management or equivalent is preferred.

• 7-10 years’ experience in the areas of credit risk analysis, credit approval, and / or credit review function. Audit experience would be an added advantage.

• Logical Thinking and evidence based judgement

• Good writing and communication skills, with ability to identify and articulate issues / observations. Proficiency in Japanese is desired due to frequent communication Head Office. 

• Strong interpersonal and stakeholder management skills

• Ability to work well in a team as well as contribute individually within stipulated timelines.

• Experience in Microsoft Excel, Word, Access, and Power Point. Added advantage for knowledge / experience in Power BI, Power Apps, and programming application.

• Strong background in credit risk analysis, financial analysis / projections, and experienced with credit rating models for Large Corporate customers. Experience / knowledge in Structured Real Estate finance, Project Finance, Securitization, LBO, Banks / Non-Banks Financial Institutions, natural resources, Islamic Finance would be an added advantage.

• Audit background is preferred but not mandatory.