AVP Credit Risk and CAD

Opportunity Information

The Role

The AVP- Credit Risk and CAD will review credit proposals and borrower ratings, conduct field visits to assess financial, operational and ESM compliance, oversee facility documentation, update Credit and ESM policies, support LOS/ LMS development, and coordinate with relevant departments to ensure effective credit risk management and compliance. Reports to the Chief Risk & Compliance Officer.

•Evaluate credit proposals and product notes submitted by the Portfolio Management Department, ensuring alignment with approved policies and assessing their credit implications •Review and validate borrower ratings under the Institutional Rating System (IRS), and conduct field visits to borrowers' head offices, branches and end clients to assess their financial and operational condition, including compliance with Environmental and Social Management (ESM) requirements •Monitor portfolio performance and covenant compliance through borrowers' monthly and quarterly reports, identifying emerging risks, breaches and exceptions, and reporting them •Prepare and coordinate the execution of facility documentation, including acceptance letters and loan agreements, and ensure that no disbursement or renewal proceeds without complete and valid documentation consistent with approved facility terms •Track regulatory developments and update the Credit and ESM policies and procedures accordingly •Contribute to the development of the Loan Origination System (LOS) and Loan Management System (LMS) by defining system requirements and reviewing workflows in coordination with relevant departments •Prepare relevant sections of Management Risk Committee (MRC) and Board Risk Committee (BRC) meeting packs, coordinate with the Portfolio Management and Legal departments, and guide team members to improve the quality of credit risk activities

Applicants General Eligibility & Requirements

Education, Experience and Skills Requirements