Principal Purpose of the Job:

1. Take the leading role in formulating credit policy and procedures.
2. Assist the Head/Deputy Heaf of CRD on the credit portfolio management
3. Ensure timely delivery and accuracy of internal and external reports.
4. Effectively monitoring, identifying and reasonably measuring credit risk within the Bank's asset portfolio.
5. Minimize the Bank's credit-related losses by identifying and reasonably measuring the credit risks and propose mitigation measures in proposals, reviews etc.
6. Assist the Head/Deputy Head with departmental projects and tasks.

Main Responsibilities and Accountabilities:

1. Take the leading role in formulating credit policy and procedures; Conduct regular policy reviews and revisions.
2. Produce the credit portfolio reports to Head Office, Local Regulators and Senior Management, Credit Committee, Risk Committee, Audit Committee, etc.

3. Conduct post lending management work including but not limited to the monitoring on the performance of the credit portfolio, periodic credit risk reviews, etc.
4. Proactively monitoring loan portfolio, and identify important message/early-warning signals for Front Office /credit analysts to have further due diligence or review.
5. Strengthen risk analysis of large exposures, organize meetings and complete analysis reports, propose management requirements and track implementation.
6. Proactively monitor sector trends as well as counterparty risks for early warning signals.
7. Perform credit review and research of sector/ product/ customer etc. to complete

special analysis report.

8. IFRS9 provision calculating and review.

9. Watchlist and Non-performing Loan management from second line of defense perspective.
10. Provide Head of CRD and DGM (credit) as well as credit committee with the professional credit risk analysis for decision-making.

Skills Required:

• Possesses at least 3-7 years' work experience in the credit portfolio management area.
• Familiar with regulatory policies, bank management requirements, and have experience in formulating credit policy and procedures
• Strong mathematical modelling/data processing skills.
• An ability to work unsupervised, good time management skills are essential
• Excellent communication and interpersonal skills.