Deputy Head, Credit Risk Management

• Conduct comprehensive credit reviews and due diligence on new and existing credit facilities to evaluate creditworthiness and mitigate risk exposure
• Review credit analysts’ assessments, recommendations, and supporting documentation
• Analyze financial statements, borrower credit histories, and industry trends to support sound lending decisions
• Oversee the bank’s credit portfolio and monitor risk concentrations, exposure limits, and overall portfolio performance
• Identify potential risks within the portfolio and implement strategies to optimize the risk-return profile
• Ensure credit portfolio management practices align with regulatory expectations and internal risk guidelines
• Develop, review, and enhance credit policies and procedures to ensure alignment with regulatory standards and industry best practices
• Ensure all credit-related activities are conducted in accordance with established policies and internal controls
• Support the preparation for regulatory audits, reviews, and inspections relating to credit operations
• Act as a key point of contact with regulators and provide timely responses to regulatory inquiries
• Ensure adherence to regulatory frameworks such as Basel III, IFRS 9, and applicable banking regulations
• Lead and manage a team of credit analysts and reviewers, providing mentorship, coaching, and performance management
• Promote a collaborative team culture focused on strong credit discipline and professional development
• Ensure the delivery of high-quality credit analysis and risk assessments across the team
• Support strategic initiatives, process improvements, and special projects assigned by senior leadership
• Act as the backup to the Head of Credit Risk Management and assume departmental leadership responsibilities during their absence

• Bachelor’s or Master’s degree in Finance, Accounting, Economics, or a related field
• Minimum 10 years of experience in credit review, loan underwriting, or risk management within a large banking environment
• Strong experience across multiple sectors such as commercial real estate, mining and energy, transportation, wholesale banking, or syndicated lending preferred
• Strong expertise in financial statement analysis, credit risk assessment, and lending principles
• Solid understanding of regulatory frameworks including Basel III, IFRS 9, and relevant banking regulations
• Excellent analytical, problem-solving, and decision-making abilities
• High level of attention to detail and strong risk awareness
• Strong communication and stakeholder management skills
• Ability to work effectively in a fast-paced environment and make sound credit decisions under pressure
• Excellent verbal and written communication skills in English

Fluency in Chinese is considered an asset

• Opportunity to take on a senior leadership role within the Credit Risk Management function
• Direct involvement in strategic credit decision-making and portfolio oversight
• Exposure to diverse lending portfolios, including sectors such as commercial real estate, energy, transportation, and syndicated loans
• Collaborative leadership role overseeing and mentoring a team of credit professionals
• Opportunity to contribute to credit policy development, regulatory engagement, and risk governance initiatives