Top British Bank seeks a Risk Manager within their Secured Lending team.

The Bank is one of the most eminent Banks in Asia and this role is ideal for someone looking for a new challenge and a step up into management.

The Role:
-Review/propose Product Programs and Pre-approval Programs for new and existing products submitted by business units for approval, ensuring that all risk dynamics are properly addressed and controlled.
-Formulate, implement and review Credit Policies for Mortgage in a view to ensure competitive advantage is being maintained and within the acceptable level of risk appetite.
-Approve/decline/recommend credit proposals for project under construction in accordance with the bank's underwriting standards, credit policies, product program parameters & in compliance with banking regulations & local legislation.
-Effectively manage the assigned portfolios to ensure that the performance is within the targeted benchmarks with a focused approach to balance the risk and reward equation
-Monitor & manage Mortgage concentration risk with respect to credit exposures by Product, Region and Business Segment
-Develop, implement and monitor effective risk management tools to improve data-based credit decision.
-Maintain good portfolio quality through sound management of credit policies, development, maintenance and execution of state of the art quantitative credit MIS for portfolio monitoring
-Foster professionalism & a strong risk culture in the department, and mentor less experienced credit staff to build up bench strength of credit risk management function.
-Ensure strict compliance with all regulations and controls as set by the Bank and external regulatory authorities by staff

Ideal Candidate:
-Msc degree or above from a reputable university,
-Strong foundation in Credit analysis and the principles of credit risk management in financial services,
-Extensive knowledge on local Chinese banking regulation and credit environment,
-In-depth knowledge of products, services and delivery channels,
-Strong analytical power, sound logical thinking ability, and good problem solving, decision-making and financial management skills,
-Ability to multi-tasking and work under immense pressure,
-Excellent communication and interpersonal skills,
-Fluent in both English and Mandarin,
-Administrative and leadership/supervisory skills, including good organization, planning and coordination skills.

Key Words: Risk, Credit, retail, Secured Lending, Management

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