Senior Manager Wholesale Risk Commercial Banking Approver
Duties & Responsibilities:
Approve CARM Renewals, Amendments, and new commitments in a timely and efficient manner while ensuring compliance to lending guidelines and policies as well as quick response to urgent proposals.
Monitor and manage CMB corporates portfolio risk profile through follow-up on customer level irregularities, sector concerns and emerging risks.
Minimizing potential losses through thorough risk assessment of credit proposals within delegated lending limit, and regular follow up on exceptions and past dues, while ensuring adherence to Group and CBE procedures and guidelines.
Support business growth by prioritizing new money proposals and ensuring approval process is within timeframe stipulated in SLA, while ensuring adherence to external and internal policies.
Acting as backup for colleagues and superiors in their absence in a way that guarantees a smooth work flow
Enhance self-development: complete a self-development plan in liaison with direct managers identifying potential development areas and interest. This includes training modules, job tasting opportunities (STAs), and engagement in projects where appropriate.
Preparing comments and responses on queries raised by the businesses, auditors, Group and MER and ensure that prompt and comprehensive replies are provided in cooperation with the relevant relationship executive.
Maintaining Quality of lending portfolio by ensuring that Bank guide-lines, standards & CBE regulations are being adhered to.
Assurance of Well-structured credit proposals with alignment to WMR FIM, Regional and local Lending Guidelines, lending Appetite, assuring appropriate credit, rationale, structure and standard controls are in place.
Monitoring exposure to assure early recognition of potential non-performing accounts and assist in initiating appropriate action as outlined by Group and CBE.
Ensure consistent adherence to actions agreed in previous audit issues, avoid repeat comments and aim to assure emerging issues are identified in a timely manner and recorded along with management action plans to correct/address. Avoid repeat comments.
Follow up to ensure abidance to covenants, special approvals and restrictions incorporated with Risk recommendations/ Approvals.
Understand, observe and apply the Group’s Global Standards and provide assistance to ensure successful implementation.
Deliver fair outcomes for our customers and ensure own conduct maintains the orderly and transparent operation of financial markets.
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