AVP - Credit Monitoring - Bank

Job Purpose : The purpose of the job is to oversee the ongoing monitoring of Emerging Corporate Division's credit portfolio, with a particular focus to ensure that the credit portfolio is closely tracked for performance, risks are proactively identified and managed, and adherence to the Credit Monitoring Policy is maintained. The Manager will serve as a critical link between the business/credit team and key stakeholders to ensure the successful management of the portfolio.

Credit Portfolio Oversight :

- Assume responsibility for the continuous monitoring and management of Emerging Corporate Division's diverse credit portfolio.

- Implement a systematic approach to assess the overall health and performance of individual exposures within the portfolio.

- Undertake in-depth and ongoing analyses of business performance, meticulously comparing actual outcomes against initial projections.

- Engage with business/client teams to address discrepancies, formulate corrective action plans, and enhance overall project performance.

Stakeholder Engagement:

- Establish and maintain robust channels of communication clients , and strategic partners.

- Serve as a bridge between the credit team and client teams to facilitate the seamless flow of information, promptly address concerns, and foster collaboration.

Reporting and Analysis:

- Generate regular and comprehensive reports that provide a detailed view of portfolio performance, risk profiles, and emerging trends.

- Offer incisive and data-driven insights to senior management, enabling informed decision-making based on the analysis of portfolio data.

- Uphold rigorous standards of record management to support transparency, accountability, and audit readiness.

- Maintain a vigilant eye for opportunities to enhance the efficiency and effectiveness of credit monitoring processes.

- Actively participate in the development and implementation of industry-leading best practices for credit monitoring within the organisation.

Cross-Functional Collaboration:

- Foster collaborative relationships with various internal functions, including Risk, Legal, and Operations, to holistically address portfolio-related challenges and opportunities.

- Promote synergy among different departments to maximise the overall effectiveness of credit monitoring efforts.

Risk Management:

- Proactively identify, evaluate, and categorise risks associated with the credit portfolio, encompassing financial, operational, and market-related dimensions.

- Collaborate closely with the credit team to devise and implement comprehensive risk mitigation strategies tailored to specific industries.

- Maintain rigorous adherence to the Credit Monitoring Policy and its associated procedures, ensuring that monitoring protocols remain aligned with the policy's stipulations.

- Take a proactive role in refining and evolving monitoring procedures to adapt to changing industry dynamics.