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• Support to plan, design and implement credit risk management processes/ policies for the organization, approved by the Board, as recommended by the Board Risk Committee, which includes proper implementation of risk classification and risk management systems.
• Support in establishing and quantifying the organization’s 'risk appetite', i.e. the level of risk they are prepared to accept in terms of the credit portfolio both on and off balance sheet.
• Analyze the credit portfolio both On/ Off Balance Sheet for potential credit risks stemming from the strategies of the bank based on the external market environment and make recommendations for managing of the potential risk.
• Give an independent opinion from a risk perspective to the CRO, CEO, Senior Management and Board of Directors on individual credit proposals (new and renewals) above pre-determined thresholds submitted for approval.
• Review the credit portfolio and risk profile of the Bank on an ongoing basis, monitor the effectiveness of risk management processes and implement needed changes and keep the Board informed of such risk through the Board Risk Management Committee.
• Ensuring that Bank operates within risk limits as approved by the Board and reporting any breach of such limits to the CRO, Senior Management and Board Risk Committee.
• Ensure regulatory compliance, as directed by Central Bank of Myanmar and any other regulatory body and guidelines on Risk Management and other directions/circulars issued from time to time and review internal policies to ensure compliance to such standards.
• Inculcate a credit risk management culture within the Bank through appropriate training, moving towards adoption of best practices by providing guidance and awareness to lending staff on Credit Risk Management