Senior Manager Credit Risk & Green Banking Officer (GBO)

Education

• Minimum graduation. Masters and/or relevant professional certifications are preferred.

Work Experience

• 5+ years of relevant Banking.

Languages

• English (Written and spoken). Chinese (written and spoken) would be preferred.

Knowledge and Skills

• Good Understanding of Prudential Regulations SBP, UCP, Incoterms, Communication Skills, Team Work and Managerial Skills.

Internal Relationships

• Compliance, Wholesale Banking, Finance & Operations, Internal Audit & Treasury Function.

External Relationships

• Clients/SBP/Other regulatory authorities.

Job Responsibilities

Credit Risk

• Establish and update credit risk related policies and procedures in line with BOC-HO's Risk Governance Framework & Risk Appetite, industry practice, regulatory guidance, HO guidance, and changes in market condition.
• Maintain and risk management of deals, loans, and, transactions, establish and update applicable risk metrics to enable comparisons of Bank's risk limits and risk tolerance on portfolio and aggregated enterprise level, in line with Bank's risk appetite.
• Develop, enhance, and maintain various credit measurement methodologies, including but not limited to loan loss provisioning, rating methodology, and stress testing, etc.
• Credit Risk Monitoring and Portfolio Analysis: monitoring the Bank's credit risk profile, including but not limited to: asset quality, change of portfolio composition, concentration, rating migration, and changes of loan provisions.
• Conduct quarterly credit risk assessment and review, and challenge front-line unit's self-assessment, engage in internal/external communication regarding adherence or breach to risk metrics.
• Conduct credit stress testing frequently and as/when required.
• Perform portfolio reviews, risk rating processes and other programs reviews across product groups
• Work with counterparts on credit approval, review and analyze credit presentations submitted to credit committee for approval or discussion;
• Consult on how best to structure transactions that align to business objectives.
• Prepare credit risk memos which provide a general overview of the credit, along with a highlight of risks and other observations which are deemed relevant.
• Writing of credit reviews, transaction memos, financial modeling and special projects
• Conduct scenario stress testing and analysis of portfolio & ensure no relevant scenarios are missed in testing
• Develop and enhance credit risk management system and tools
• Responsible for periodically conducting local economic and industry analysis
• To ensure that ML/TF circulars / regulations are embedded in bank policies.
• To ensure that ML/TF compliance / Risk related policies / procedure are updated as and when required.
• To ensure that regulatory / HO reporting are done in a timely manner.
• Credit Administration
• Reporting to SBP
• To ensure timely submission of SBP eCIB borrowers data as per the guidelines of BC&CPD for eCIB Data Quality Management
• Extraction of Borrowers data upon request of peer departments for onward assessment
• Assist Internal/External Audit team in order to conduct eCIB Reporting assessment according to the regulatory guidelines.
• To ensure preparation and timely submission of following regulatory reporting
• Stress Testing
• Banks Capital Adequacy Ratio (CAR) Audited & Un-Audited
• All other list of regulatory reporting, updated time to time on SBP data Acquisition Portal & instructions cascade to the Banks.

Vendor Management

• Borrowers Reporting to all the Private Credit Bureus as instructed by the regulator
• Coordination with all the on-boarded Law Firms (Adhoc & Retainer ship) on behalf of Bank
• Coordination with all the on-boarded Appraisal Firms on behalf of peer departments.
• Conduct Annual review and assessment of LAW Firms & Appraisal Firms as per Banks internal policy.

Green Banking

• Act as Green Banking officer & responsible for timely reporting of Green Banking Status to SBP as per the Green Banking Guidelines issued by the SBP.

Other Task

• Assisting the auditors during ICFR and Audits.
• Any other task as an when assigned by the Head of Risk.