The Role
Lead non-retail credit risk management for commercial portfolios by applying rating methodology, EWIs, RAC, stress testing, JDA frameworks, and portfolio reporting. Drive underwriting quality, monitor regulatory changes, initiate timely portfolio/client reviews and Watch List classifications, perform back-testing as needed, and ensure compliance with credit approval and regulatory requirements. Build stakeholder relationships, support staff development, and surface operational risk issues.
Summary Generated by Built In
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Strategy and Planning
- Effectively leverage on non-retail credit risk management Tools including, but not limited to, Rating Methodology, Early Warning Indicators (EWI), Risk Acceptance Criteria (RAC), Country Sector Limit, Stress Testing, JDA Framework and Non-Retail Credit Risk Portfolio Reporting, so as to ensure a robust and independent underwriting, approval and portfolio review process that is aligned with Board approved Risk Posture and Risk Appetite.
- Keep abreast of market and regulatory developments that could impact underwriting standards and asset quality. Make recommendations for changes in the various Tools as required.
- Ensure timely initiation of client and/or portfolio reviews using the EWI framework, and timely and accurate classification of Watch List names, inclusive of corrective actions steps by the SBU’s.
- Ensure appropriate application and usage of the Joint Delegated Approval Framework.
Business Performance and Management
- Manage underwriting and portfolio quality by working closely with Business Units to ensure Tools are understood and implemented.
- Engaged in back testing of program lending programs (if necessary).
- Work closely and constructively with key stakeholders by building strong relationships and contributing to the Bank’s success from a non-retail credit scope.
- Any other responsibilities / task as assigned by HOD / Deputy HOD / Supervisors from time to time.
People Management
- Take charge of personal development and training through the KPI, performance management processes and learning and development opportunities.
Regulatory Compliance
- Ensure credit approvals are done in compliance with all relevant regulatory requirements.
Be actively involved and encourage the self-identify of operational risk issues. (Where relevant)
Skills Required
- Experience with Rating Methodology
- Experience with Early Warning Indicators (EWI)
- Knowledge of Risk Acceptance Criteria (RAC)
- Knowledge of Country Sector Limits
- Experience with Stress Testing
- Familiarity with Joint Delegated Approval (JDA) Framework
- Non-retail credit risk portfolio reporting experience
- Underwriting and portfolio quality management for non-retail/commercial credit
- Back-testing of lending programs (where necessary)
- Knowledge of regulatory requirements for credit approvals and compliance
- Strong stakeholder management and communication skills
- Experience with KPI, performance management, and staff development
- Ability to identify and report operational risk issues
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The Company
What We Do
CIMB Group is a leading ASEAN universal bank, one of the largest Asian investment banks and one of the world's largest Islamic banks. We are headquartered in Kuala Lumpur, Malaysia and offer consumer banking, commercial banking, wholesale banking, Islamic banking, and asset management products and services. As the fifth largest banking group in ASEAN, we have over 36,000 staff in 16 locations across ASEAN, Asia and beyond. CIMB Bank and CIMB Islamic Bank are members of PIDM.
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