Credit Risk Manager, Vice President

Responsibilities

• Manage a portfolio as a credit officer.
• Perform due diligence and regular portfolio reviews.
• Analyze credit risk, determine accurate ratings, and recommend them to management.
• Prepare detailed credit analysis and applications based on policies and procedures.
• Evaluate borrower's industry, business, legal, and financial risks.
• Recommend credit extensions to management.
• Collaborate with business lines to maintain portfolio safety and growth.
• Share important account information with relevant teams across the bank.
• Communicate directly with assigned customers.
• Deal Support: Identify and assess prospective transactions with business lines and product groups.
• Spot structural risks and suggest improvements to deal structures and covenants.
• Advisory Account Officers on credit risk terms to maximize profit and minimize credit cost.
• Communicate directly with the credit division, providing necessary information for decisions.

Policy Compliance & Mentoring

• Ensure compliance with regulatory, policy, and procedural requirements.
• Participate in policy meetings to improve the credit risk framework.
• Support, mentor, and train junior analysts.
• Guide junior analysts on complex assignments and skill development.