ROLE PURPOSE

The Credit Risk Vice President will be primarily responsible for analysing credit proposals for both new and existing clients, in accordance with financial performance metrics, to mitigate or avoid potential risks that may be incurred. This includes assessing clients' repayment capacities and overall financial capabilities.

JOB RESPONSIBILITIES

• Credit Risk Assessment and Decision-Making: Primarily accountable for credit risk assessment, decision-making, or recommendation for Corporate Banking in alignment with the bank’s risk appetite, credit policy, and banking regulations.
  • Analyze and identify potential risks related to credit, financial, and market conditions, while considering potential opportunities.
  • Conduct physical on-site verifications on a case-by-case basis, as required.
  • Consolidate risk assessment findings and submit timely recommendations to the approving authority. Review and ensure the accuracy and quality of approval letters and other documentation prepared by team members.
  • Ensure that credit-related items and supporting documentation are filed accurately within the respective document management systems.
  • Present and make recommendations to the Executive Credit Committee, reflecting the high profile and strategic impact of the role.
• Collaborative Credit Structuring: Partner with product and relationship teams to optimize credit structuring to meet customer requirements while mitigating key risks. Review and assess credit reports, and other product portfolio documents in alignment with Yoma Bank’s credit policy standards and relevant systems or databases.
  • Maintain strong working relationships with stakeholders throughout the credit value chain.
  • Support the development and management of policies, guidelines, and procedures to enhance credit decisions, ensure early identification of credit stress or concentrations, and optimize the risk-reward profile of the portfolio.
• Credit Reporting: Consolidate risk assessment findings and submit timely recommendations to the approving authority. Review and ensure the accuracy and quality of approval letters and other documentation prepared by team members.
• Support Bank Objectives & Team: Assist in achieving Yoma Bank’s long-term and short-term strategic goals. Provide support for training and development of junior team members within the credit function. Perform additional assignments as necessary.

QUALIFICATIONS REQUIRED

Education & Special Training

Essential

• University degree in Accounting / Finance / Economics / Engineering or otherwise quantitative field.

Desirable

• Possession of professional qualifications (completed or partial), such as CFA or ACCA, will be considered an advantage.

Experience

• Minimum 5 years’ work experience conducting in Analysis/underwriting of corporate loans.

Knowledge & Skills

• Consistently work on various projects, self-reliantly and achieved required objectives with limited supervision.
• Ability to work within a team environment, interact with peers and management within the bank as well as with the other departments.

Languages

• Excellent verbal and written communication skills besides strong analytical, problem solving and presentation skills.
• Proficiency in English presentation and communication highly desirable.