The Bank

Manager, Credit Assessment Unit

FinancePosted 2 d ago

Location

Phnom PenhKhan Prampir MakaraMonorom

Job Type

FULLTIME

Experience

7+ Years

Experience level

Mid-Senior

Work Mode

On-site

Industry

Banking

Description

Lead team to oversee the implementation of the credit risk management within the Bank in the area of lending activities.
This also involves setting up credit risk management mechanism including developing/revising policies, procedures, and guidelines relevant to credit risk management and strategies that are in compliance with regulatory environment.
Moreover, this role covers managing relationship-related tasks among stakeholders through deploying various risk management tools to ensure effective management of risk and customer service objectives.
Lead team to perform credit risk analysis on credit applications to understand the level of credit risk associated with lending to all credit clients through implementing established appraisal principles, CRR, as well as imposing credit covenants as part of overall credit enhancement.
Assist line manager to develop and revise policies, procedures, guidelines, and other similar process that align with the Bank’s objectives, risk appetite, laws, and regulations for sound credit governance.
Oversee team activities of all credit queries and communication of all material items of credit application, including client’s visit, to properly identify client’s creditworthiness, through verbal and written communication between all relevant stakeholders.
Consult with credit officers or relationship managers on matters related to credit applications, policies, or other credit clarifications.
Oversee implementation of risk management methods including deploying various risk management tools to maximize protection of the Bank’s risk assets.
Report all credit applications reviewed and queried, to line manager who will recommend to Head of Risk Management Division for an approval.
This includes preparing various regular reports on the credit application submission, approval, SLA, and others as instructed.
Update relevant laws and regulations and ensuring policies, procedures, and guideline reflect these changes, and ensuring that these relevant updates are considered in assessing all credit applications.
Well-rounded understand of the current market and industry practices and trends and leading team to apply them in daily assessing and managing credit risk activities.
Develop training materials and providing regular trainings on various credit risk management topics to team, and addressing ongoing challenges and solutions discussed throughout the sessions for a well-rounded credit risk communication and sharing.
Develop team capacity through coaching and designing relevant topics to match training needs, including internal and external training assignment and programs.
Maintain highest compliance of the Bank core values, and particularly rendering a transparent and fair credit risk management process and ensuring confidentiality of customer sensitive information.
Set the key performance indicators (KPIs) for subordinates and monitor on their performance to achieve the target.
Perform other tasks as assigned by line manager.

Requirements

Bachelor Degree in Banking and Finance or other relevant degree.
7 years experiences in a banking sector (Minimum 5 years in credit-related fields)(Minimum 2 years in other fields in banking sector)Credit Analysis Skill.
Loan Structuring Skill.
Market and Product Knowledge.
Regulatory Knowledge.
Process Development (Policy/Procedure/Guideline).

Required Skills

Credit AnalysisLoan StructuringMarket KnowledgeProduct KnowledgeRegulatory KnowledgeProcess DevelopmentPolicy DevelopmentProcedure DevelopmentGuideline DevelopmentBankingFinance

Schedule & Flexibility

Schedule:standard

About The Bank

FTB is Cambodia's first and foremost bank. It is a private commercial bank and has been providing customers with safe and reliable banking services for 40 years. The Bank was created following Sub-decree No. 1213 dated 10 October 1979 under the former regime of the State of Cambodia. In 2000, the Bank was separated from the direct management of the National Bank of Cambodia ("the Central Bank") in order to transform its permanent identity into a state-owned commercial bank in Cambodia with the features of a Public Economic Enterprise and with the intention of conducting autonomous business operations. In January 2001, the Bank obtained its banking license from the Central Bank to operate as a commercial bank in the Kingdom of Cambodia for a period of three years starting from 4 January 2001. This was the first license granted to enable the Bank to operate as a separate legal entity independent from the Central Bank's direct management. On 8 January 2004, the Bank obtained its 2nd banki

Industry

Banking

More at The Bank

Other open roles at this company

1 open

Head of Risk

Phnom PenhFull-time

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Description

Lead team to oversee the implementation of the credit risk management within the Bank in the area of lending activities.
This also involves setting up credit risk management mechanism including developing/revising policies, procedures, and guidelines relevant to credit risk management and strategies that are in compliance with regulatory environment.
Moreover, this role covers managing relationship-related tasks among stakeholders through deploying various risk management tools to ensure effective management of risk and customer service objectives.
Lead team to perform credit risk analysis on credit applications to understand the level of credit risk associated with lending to all credit clients through implementing established appraisal principles, CRR, as well as imposing credit covenants as part of overall credit enhancement.
Assist line manager to develop and revise policies, procedures, guidelines, and other similar process that align with the Bank’s objectives, risk appetite, laws, and regulations for sound credit governance.
Oversee team activities of all credit queries and communication of all material items of credit application, including client’s visit, to properly identify client’s creditworthiness, through verbal and written communication between all relevant stakeholders.
Consult with credit officers or relationship managers on matters related to credit applications, policies, or other credit clarifications.
Oversee implementation of risk management methods including deploying various risk management tools to maximize protection of the Bank’s risk assets.
Report all credit applications reviewed and queried, to line manager who will recommend to Head of Risk Management Division for an approval.
This includes preparing various regular reports on the credit application submission, approval, SLA, and others as instructed.
Update relevant laws and regulations and ensuring policies, procedures, and guideline reflect these changes, and ensuring that these relevant updates are considered in assessing all credit applications.
Well-rounded understand of the current market and industry practices and trends and leading team to apply them in daily assessing and managing credit risk activities.
Develop training materials and providing regular trainings on various credit risk management topics to team, and addressing ongoing challenges and solutions discussed throughout the sessions for a well-rounded credit risk communication and sharing.
Develop team capacity through coaching and designing relevant topics to match training needs, including internal and external training assignment and programs.
Maintain highest compliance of the Bank core values, and particularly rendering a transparent and fair credit risk management process and ensuring confidentiality of customer sensitive information.
Set the key performance indicators (KPIs) for subordinates and monitor on their performance to achieve the target.
Perform other tasks as assigned by line manager.

Requirements

Bachelor Degree in Banking and Finance or other relevant degree.
7 years experiences in a banking sector (Minimum 5 years in credit-related fields)(Minimum 2 years in other fields in banking sector)Credit Analysis Skill.
Loan Structuring Skill.
Market and Product Knowledge.
Regulatory Knowledge.
Process Development (Policy/Procedure/Guideline).