Head of Group Credit & Risks (Macau)

Responsibilities

• Lead Credit & Risks Department
• Assist convener to lead and prepare for Risk Management Committee which has bi-monthly meeting
• Ensure all credit risk related policy, guidelines and procedures strictly comply with the Group and regulatory requirements
• Work closely with business lines both Hong Kong and Macau to conduct credit risk assessment and to identify potential risk and advise on mitigation measures
• Monitor the quality of the loan portfolio of the Group
• Review and analyze new credit proposals s and renewal proposals with justifications and recommendations
• Design and update credit risk framework, reporting system and related policies and procedure to drive sound control culture
• Keep abreast of the latest regulations and regulatory requirements on risk management to ensure the internal controls are effective and the operation are in compliance with regulatory requirements
• Develop and maintain internal policies, procedures and control manuals
• Handle ad hoc tasks as assigned

Requirments

• University Degree in Economics, Finance, Accounting or other relevant disciplines;
• Minimum 15 years of relevant corporate and institutional credit experience in the commercial/ investment banking environment within an overall credit portfolio context;
• Professional designation (CPA, ACCA, CA or equivalent) would be an advantage;
• Proven credit analysis, financial analysis and adjudication skills;
• Strong understanding of financial statements and credit scoring methodologies;
• Thorough understanding of lending risk management guidelines with strong compliance culture;
• Familiar with both Hong Kong and Macau lending markets
• Proficient in written and spoken English and Chinese;
• Weekly travel to Macau is required