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GF Risk Head Emerging Corporates and Small Business Banking, SVP

Description

Profile Summary:

You will be part of the CCB Singapore Independent Risk team with responsibility for portfolio management and related credit risk management activities in the Emerging Corporates ("EC") and Small Business Banking ("SBB") segments respectively. You will report to the Head of Risks, Commercial Bank Singapore. The team is part of Citi Global Functions and partners 2 separate Business Coverage Units, namely Citi Commercial Bank (for EC) and Citi Small Business Banking (for SBB), in providing working capital and term financing, treasury and cash management solutions to the Small and Medium Enterprises ("SME") in Singapore

Key Functions include:

Approve credit proposals in accordance with the risk standards and underwriting criteria for SME clients in both segments up to the delegated credit authority
Maintain close interactions with the Sales teams, product partners and support functions for effective risk oversight of portfolio and developing of risk strategies for sustainable business growth
Lead discussions with stakeholders on renewals of country credit programs and collateral scorecards
Provide guidance for credit policies & procedures, structuring of credit facilities and transaction requests
Conduct periodic client visits with and monitoring industry developments for early problem recognition
Manage and prepare periodic regulatory stress tests by dimensioning portfolio data, validating testing methodology and providing critical analysis of results
Conduct ad hoc rapid portfolio reviews, thematic stress testing and report data analysis requests
Engage in regulatory reviews and ad-hoc meetings with internal and external auditors
Participate in In-Business Credit Approval Review Process, which is the review process of credit transactions approved solely by Business
Ensure that Risk Quarterly Manager's Control Assessment (MCA) processes are adhered to and interface with MCA coordinators for submission of results

Qualifications

You should preferably be a Degree holder with minimum 10 years of credit experience with SME lending
You should also possess strong analytical, interpersonal and organizational skills with sharp attention to details
Sound understanding of financial analysis and risk assessment skills
Demonstrated ability to take intelligent risk and exercising independent and sound judgment
Excellent written and verbal communication skills are essential
Strong proficiency in Microsoft Excel with excellent knowledge of functions such as Pivot Tables, vlookup, What If, etc.
Ability to work independently, strong team player, not afraid to take personal accountability, strong ethics and a positive work attitude
Stays current with the dynamic demands of the environment and clients
Suitable candidates with less than required qualifications may be considered for a Senior Credit Approver role, with progression to this Risk Team Head position