Credit Manager-Wholesale Banking

Job Requirements

Role / Job Title : Credit Manager - Wholesale Banking

Function / Department : Wholesale Banking Risk

Job Purpose

To manage and oversee the bank's lending process within the wholesale banking segment, ensuring sound credit decisions through thorough evaluation of clients' creditworthiness. The role involves developing credit scoring models, setting loan terms, and collaborating with cross-functional teams to implement and maintain robust credit policies and systems.

Roles & Responsibilities

• Conduct regular asset quality reviews and provide analytical insights to identify risks and opportunities, recommending appropriate actions.
• Research and evaluate clients' creditworthiness through financial analysis, site visits, and stakeholder discussions.
• Collaborate with business, legal, compliance, and portfolio analytics teams to assess credit requests and make informed decisions.
• Approve or reject loan applications based on risk assessment and potential revenue / loss impact.
• Negotiate loan terms with clients, ensuring alignment with bank policies and risk appetite.
• Review and update credit policies and risk acceptance criteria to reflect changes in regulatory requirements and business strategy.
• Partner with credit systems support teams to implement key credit policy criteria in relevant credit acceptance and evaluation systems.

Education Qualification

Experience

Show more

Show less

Skills Required

Risk Assessment, Financial Analysis