Cib Portfolio Associate

POSITION DESCRIPTION JOB TITLE Manager-Credit Risk DEPARTMENT Risk LOCATION HO SUB-DEPARTMENT Credit TYPE OF POSITION Full-time ROLE PURPOSE & OBJECTIVE To ensure implementation of the credit risk management policy approved by the Board. To formulate, review and implementation of risk appetite Monitor credit risks on an SFB wide basis and ensure compliance with the Board approved risk parameters / prudential limits and monitor risk concentrations. Review status of portfolio management, loan review mechanism, risk monitoring and evaluation, regulatory / legal compliance, adequacy of provision, risk concentrations, industry reviews, and suggest corrective measures and activity reviews for credit risk management. Review the performance and effectiveness of the credit scorecards, the need for any adjustments, and placing recommendations before the CRO Review and approve the use of credit scorecards for business and risk management purposes and placing recommendations before the CRO KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business / Financials Credit Risk Unit To develop credit risk appetite / limits statements with support from Business units To monitor the credit risk parameters and credit exposure / concentration limits set by the SFB’s Board of Directors / Risk Management Committee of the Board / Regulator To lay down credit risk identification systems, monitor quality of portfolio, identify problem credits and undertake asset quality reviews with support from Business units. Implementation of credit scorecards with support from Business units. To analyze early warnings signals in the MSE portfolio, for identification of weak exposures, identify remedial measures in co-ordination with Business units and monitor the actions taken. Responsible for execution of portfolio risk management activities including concentration risk monitoring and stress testing. Responsible for ensuring stringent monitoring and management of specifically assigned problem accounts either independently or in co-ordination with the Business units. Responsible for executing the NPA management strategies in co-ordination with Business units and with support from the Legal department Monitor portfolio performance on a quarterly basis or as and when directed by the Board or Committee or Regulator and identify associated credit risks Study the impact of various stress scenarios on different portfolios to complement the regular risk measurement methods Classification of SMA and watch-list accounts in co-ordination with Business units Implementation of Internal Audit recommendations specific to the credit risk unit Business Risk unit Develop a comprehensive risk management framework for assessing, identifying, monitoring and reducing pertinent business risks that could interfere with the