Manager, Credit Assessment Unit

Foreign Trade Bank of Cambodia; Southern Downs Regional; On-site; AUD 120,000 - 160,000; Full time

Job summary

Foreign Trade Bank of Cambodia is seeking a Manager, Credit Assessment Unit to lead a team responsible for credit risk analysis of lending applications and to establish robust credit risk management mechanisms, policies, and guidelines in line with regulatory requirements.

You will coordinate with credit officers and relationship managers, oversee risk tools deployment, and report progress to Risk Management.

Qualifications

• Bachelor degree in banking/finance or related field.
• 7+ years banking experience with credit-related roles.
• Strong credit risk analysis and loan structuring skills.
• Solid knowledge of market practices and product offerings.
• Good understanding of banking regulations and compliance.
• Experience in developing policies, procedures, and guidelines.

Responsibilities

• Lead a team to perform credit risk analysis on lending applications.
• Develop and revise credit risk policies, procedures, and guidelines.
• Oversee communication of credit information to stakeholders to assess creditworthiness.
• Consult with credit officers and relationship managers on credit matters.
• Deploy risk management tools to protect bank assets and ensure risk controls.
• Report credit activities, approvals, SLAs, and other metrics to management.
• Keep policies updated with regulatory changes and industry practices.
• Coach and train staff on credit risk topics and best practices.
• Set and monitor KPIs for the team and drive performance.
• Perform additional tasks as assigned by line manager.

Skills

Credit analysis

Loan structuring

Market knowledge

Regulatory knowledge

Policy/guideline development

Education

Bachelor Degree in Banking and Finance or equivalent

Job description

The role of manager, credit assessment unit is to lead team to oversee the implementation of the credit risk management within the Bank in the area of lending activities. This also involves setting up credit risk management mechanism including developing/revising policies, procedures, and guidelines relevant to credit risk management and strategies that are in compliance with regulatory environment. Moreover, this role covers managing relationship-related tasks among stakeholders through deploying various risk management tools to ensure effective management of risk and customer service objectives.

Main Duties

• Lead team to perform credit risk analysis on credit applications to understand the level of credit risk associated with lending to all credit clients through implementing established appraisal principles, CRR, as well as imposing credit covenants as part of overall credit enhancement;


• Assist line manager to develop and revise policies, procedures, guidelines, and other similar process that align with the Bank’s business objectives, risk appetite, laws, and regulations for sound credit governance;


• Oversee team activities of all credit queries and communication of all material items of credit application, including client’s visit, to properly identify client’s creditworthiness, through verbal and written communication between all relevant stakeholders;


• Consult with credit officers or relationship managers on matters related to credit applications, policies, or other credit clarifications;


• Oversee implementation of risk management methods including deploying various risk management tools to maximize protection of the Bank’s risk assets;


• Report all credit applications reviewed and queried, to line manager who will recommend to Head of Risk Management Division for an approval. This includes preparing various regular reports on the credit application submission, approval, SLA, and others as instructed;


• Update relevant laws and regulations and ensuring policies, procedures, and guideline reflect these changes, and ensuring that these relevant updates are considered in assessing all credit applications;


• Well-rounded understand of the current market and industry practices and trends and leading team to apply them in daily assessing and managing credit risk activities;


• Develop training materials and providing regular trainings on various credit risk management topics to business team, and addressing ongoing challenges and solutions discussed throughout the sessions for a well-rounded credit risk communication and sharing;


• Develop team capacity through coaching and designing relevant topics to match training needs, including internal and external training assignment and programs;


• Maintain highest compliance of the Bank core values, and particularly rendering a transparent and fair credit risk management process and ensuring confidentiality of customer sensitive information;


• Set the key performance indicators (KPIs) for subordinates and monitor on their performance to achieve the target;


• Perform other tasks as assigned by line manager.

Skills/ Experiences

• Bachelor Degree in Banking and Finance or other relevant degree.


• 7 years experiences in a banking sector (Minimum 5 years in credit-related fields)


• (Minimum 2 years in other fields in banking sector)


• Credit Analysis Skill


• Loan Structuring Skill


• Market and Product Knowledge


• Regulatory Knowledge


• Process Development (Policy/Procedure/Guideline)