Credit And Risk Management Division Head RCBC Leasing

Job Summary

• Responsible for Customer Onboarding and Portfolio Management, Managing and Reporting of Risk, Compliance and Regulation, and Due Diligence and Transaction Monitoring
  
  

• I. Customer Onboarding and Portfolio Management
• Ensure timely review and analysis of credit customers and proposed facilities by analysts.
• Apply the latest S&P guidelines and overlays from the parent bank in the credit risk assessment processes.
• Guarantee compliance with credit policies throughout the customer onboarding process and day-to-day credit transactions.
• Manage and oversee the implementation of credit programs as directed by management.
• Conduct periodic assessments and report on the leasing portfolio’s credit risk in compliance with regulatory and parent bank guidelines.
• II. Managing and Reporting of Risk
• Monitor organizational risk in accordance with the framework and reporting guidelines established by the parent bank.
• Provide oversight and reporting of treasury liquidity risk to the parent bank.
• Conduct independent reviews of the Top 20 credit exposures of the company.
• Collaborate with the parent bank to streamline risk management processes.
• Report findings to the Risk Oversight Committee, outlining potential risks and mitigation strategies.
• III. Compliance and Regulation
• Ensure compliance with applicable banking laws, regulations, and internal policies.
• Stay informed about new regulations affecting the organization, liaising with the Compliance Group as necessary for interpretation and application.
• Oversee the timely completion of reportorial requirements and ensure submissions are made before deadlines.
• Address compliance findings and implement corrective actions to prevent reoccurrence.
• Ensure timely submission of quarterly anti-money laundering certifications to the Compliance Office.
• Report significant compliance breaches or violations to the Compliance Office for immediate resolution.
• Serve as a liaison with the Operational Risk Management Group (ORMG) on matters of information governance, business continuity, and consumer protection.
• Assist business units in submitting operational risk reports and implementing risk management strategies.
• Participate in operational risk training to promote knowledge and awareness across departments.
• Drive initiatives that foster a culture of awareness and understanding of risk management within the organization.
• IV. Due Diligence and Transaction Monitoring
• Conduct due diligence in line with the Banks Money Laundering and Terrorist Financing Prevention Program (MLPP), focusing on:
• Know Your Customer (KYC) standards
• Suspicious Transaction Monitoring
• Records Keeping and Retention
• Implement enhanced due diligence measures for transactions that involve potential anti-money laundering risks, ensuring appropriate investigation and reporting to the Compliance Office.
• Develop strategies to monitor, control, and rectify risks associated with compliance issues that arise within the organization.
  
  

• Bachelors degree in Business Administration, Economics, Management and Finance. Post-graduate degree and/or relevant trainings are an advantage.
• Must be comfortable with numbers, highly analytical. Familiarity with bank products and services is a plus.
• Must have excellent oral and communication skills (English and Filipino). Team player, with good interpersonal skills but can also work independently and with minimal supervision.
• Must be proficient in MS Word, Excel and PowerPoint or similar softwares.
• Demonstrated leadership through extra curricular activities also an advantage.