This role is primarily responsible for maintaining the quality of credit approvals throughout the organization in Indonesia and the maintenance of the quality of credit portfolios at required standards.
Supporting the development of Credit Risk policies, standards and practices for the approval, measurement, reporting, monitoring, managing limits and analysis of risk.
• To approve credit proposals within authorized limits in adherence to the risk management policies of the bank;
• To assist relationship managers in the structuring of credit lines
• At all times to ensure compliance to all guidelines (internal or external).
Developing a credit risk management culture by:
• Promoting good analysis, judgment, flexibility and balance between risk and reward.
• Regularly overseeing the Bank’s overall credit approval process through process reviews and assessment of KPI'S.
• Developing an effective partnership with the Business on: Its strategy and plans to achieve business goals.
• Assisting Division Heads in defining the portfolio strategies in terms of parameters considered relevant for the businesses.
• Approving target market and risk acceptance criteria
• Monitoring actual portfolio against target portfolio and working with Business
• Management to ensure that the actual portfolio is driven towards the target portfolio within an agreed time frame.
• Determining “material” policy exceptions, and requesting the additional approval of the Chief Risk Officer for the region.
• Establishing risk-reporting requirements.
• Interact and where necessary manage the Credit Administration and Control unit, Credit Policy Unit, Analyst Unit and Portfolio Management Unit.
• Directing a team of Credit Officers and Senior Credit Officers for managing the bank portfolio.
POSITION REQUIREMENTS:-
• A good degree is preferred. A further professional qualification is a plus but not a requirement.
• Experience working abroad or for an international financial institution will be considered favourably.
• Around 8-10 years of experience in financial services industry, preferably in risk management functions
• Solid knowledge of the regulatory environment
• Familiarity with the banking industry, product offerings of the bank and general economic/market trends.
• Financial and risk analysis skills.
• Computer Proficient (Advanced excel skills)
All Locations
This role requires significant interaction onshore and offshore with frontline personal and senior managers and as such requires refined relationship management capability.
Those in a similar position currently as a Head of Department or Deputy Head are encouraged to apply by sending a full resume in MS word format to:-
dermot.ohara@consultgroup.net
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