SVP And Head Of Credit Commercial Banking And Real Estate

Key Accountabilities

Strategy Development and Implementation

• Develop and direct the implementation of the functional strategy ensuring alignment to group strategy, vision, mission and corporate objectives.
• Collaborate with business heads in business to define the overall operating framework with coverage teams (local and international as applicable); and develop robust policies ensuring alignment with the overall credit strategy and governance framework.
• Ensure that functional strategy and related strategic plans are developed and implemented, which are aligned with the vision and mission of the Group.
• Ensure the provision of subject matter expertise for the assigned domain and provide counsel to Group leadership on all related areas to facilitate the achievement of organizational strategy and functional strategies.
• Streamline Credit Risk function objectives and departmental organizational structure in line with overall objectives of Credit Group and the Bank.
  
  

• Lead the effective achievement of the Division’s objectives through setting individual goals, managing team’s performance and providing of formal and informal feedback and appraisal in order to maximize subordinates’ and the overall departmental performance.
• Lead the talent development initiatives for the assigned function, collaborating with discipline experts and thereby ensure the availability of talent to fit business requirements.
• Motivate subordinates and promote highly productive and positive professional work environment by developing staff competencies, providing the necessary tools and training, and ensuring that staff understand and meet expectations, improve their knowledge and credit management skills with delegation of authorities.
• Responsible for interviewing, hiring, training & coaching employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.
• Balance team and individual responsibilities. Exhibit objectivity and openness to others views. Give and welcome feedback to building a positive team spirit. Put success of team above own interests.
• Treat people with respect. Keep commitments. Inspire the trust of others. Work with integrity and ethically and uphold organizational values.
  
  

• Oversee the consolidation and recommend the functional budget and monitor financial performance versus the budget so that the business is aware of anticipated costs/revenues, areas of unsatisfactory performance are identified and potential areas of cost reduction or performance improvement opportunities are capitalised upon.
  
  

• Develop and lead the implementation of functional policies, systems, processes, procedures and controls covering all areas of assigned function so that all relevant procedural/legislative requirements are fulfilled while delivering a quality, cost-effective service in a consistent manner.
• Lead the effective collaboration with all functional heads to facilitate effective development and implementation of credit policies and procedures for assigned function in accord with defined strategy.
  
  

• Manage, develop and direct the credit risk function including for all loan/transaction types credit analysis, assessment & approval, review, monitoring & control and recovery.
• Provide oversight of an effective credit approval process within the Bank that supports the risk tolerance of the Bank while also facilitating desired asset growth objectives.
• Take credit decisions independently as Head of Credit up to the amount of his delegated financial & non-financial authority and serve as a responsible member of Credit Execution Committee. Ensure availability of timely and required information to Credit Committee members (and other credit approvers) for credit decision making.
• Serve as Chairman/senior member of Credit Execution Committee L2 overseeing its activities & ensuring Committee acts and takes credit decisions within its mandated guidelines in an effective manner.
• Develop and maintain mechanisms / Risk rating models / TOAs, etc) that allow for accurate identification of risk profiles/ratings in all asset categories.
• Enforce an effective monitoring system to ensure high quality of asset portfolio, assist in early identification of problem credits and help identify problem borrowers for early intervention (initiation of recovery actions) by the Bank.
• Ensure credit processing & approval turnaround times as per agreed SLAs with business.
• Actively participate in (large, complex) client relationships and provide guidance on due diligence, risk assessment, risk rating, and documentation.
• Guide coverage teams for optimum utilization of credit facilities by the corporate & commercial banking customers without any compromise on credit quality.
• Periodically review & re-evaluate the adequacy and effectiveness of Bank’s credit policies and procedures in credit risk management. Maintain, update and recommend amendments to the Bank’s credit policy, procedures, Risk Rating models, credit memorandums, risk criteria etc based on lending experience and market expediencies ensuring it is aligned with overall Bank’s risk strategy & policy.
• Support performance of Credit Administration function and ensure that credit documentation process & collateral monitoring system is working smoothly and approved facilities are released in time for utilization by the customers. Where possible, to review and possible simplify documentation process further in consultation with CAD Head and Head of Legal.
• Support performance of Credit Restructuring Department in identification of potential infection in credit portfolio, classification/provisioning etc and recovery measures/actions.
• Membership & active participation in other Committees such as Risk or Banking committees/ projects/initiatives as required by senior management.
  
  

• Develop and maintain effective business relationships with all relevant internal departments and external entities (such as key stake holders, government authorities, key clients, service providers etc.) with highest standards of business ethics, whilst promptly attending to all critical issues in-order to ensure the services required by the organization are delivered in the most effective manner.
• Increase collaboration with Business Heads and Product Heads (CBG, Debt Markets, Global Transaction Services, Corporate Finance, and Global Markets) in order to build up strong relationships, open communication channels, maximize synergies and opportunities.
• Supervise the development of service level targets and direct the coordination with other departments to meet client service expectations.
• Resolve any internal issues raised by the subordinates, other departments etc.
• Facilitate audit activities & conclude negotiations with examiners/regulators etc on all credit audits, matters/data, ensuring timely availability of information and prompt response to queries of internal/external auditors and addressing their concerns/observations.
• Keep abreast of the different industries, local economy, regulatory changes in the business and global corporate and investment banking practices, trends, issues, challenges, competitor analysis, etc. and identify risk factors/impact in order to inform Bank’s senior management and take the necessary actions.
  
  

• Review portfolio reports and recommend measures as necessary to ensure the Bank has adequately reserved for the risk inherent in the Bank’s portfolio.
• Responsible for accurately reporting on the asset quality of the loan portfolio including delinquencies, nonaccruals, loan concentrations and profitability analyses
  
  

• Support the Group Chief Credit Officer in defining an optimum departmental structure assuring that appropriate resources are allocated to Credit management function to effectively meet objectives of the department and are optimally utilized.
• Identify opportunities for continuous improvement of systems, processes, and practices while taking into account international leading practices, improvement of business processes, cost reduction, and productivity improvement.
• Implement and adhere to the Credit area’s annual budget/targets.
• Lead the management of change through continuous improvement of functional systems, processes and practices taking into account global standards and changes in the business environment which demand proactive action plans.