Report to Department Head of Loan Documentation. Act as a team head role to lead and manage the Limit Maintenance and Monitoring Team.
Main Responsibilities :
Set up guideline and policy on processing; designing functions, responsibilities, workflow, control procedures and the delegated authority for the teams so as to comply with the Bank and internal / external audit standards.
Provide advice and recommendation for operation strategy development to support business requirements.
Represent the teams and participate in the Bank’s system / new product / new business / new initiative projects to ensure smooth credit operations.
Manage the teams to provide excellent support on limit maintenance, collateral maintenance, credit data maintenance covering all kinds of commercial / retail bank products according to the Bank’s requirements.
Manage the team to provide accurate management information / reports for Business front line staff and / or Credit approvers and / or management to monitor the compliance of credit facility terms, identify and follow up outstanding credit reviews and expired facilities, monitor collateral value and related loan to value ratios.
Manage the team to provide accurate and timely information to Finance / Compliance departments related to Large Exposure, Connected Lending, IC-
6, IC-7, Code of Banking Practice, Operational Risks and related regulatory assessment or reporting.
Manage the team to provide accurate and timely administrative support including but not limited to imaging, original credit / security documents custodian / retention and other administrative support to the department.
Support for new systems implementation related to limit and / or collateral maintenance and any related system enhancements.
Review operation processes regularly to identify improvement opportunities and update process manuals regularly.
Implement control measures to minimize the operation risk of the teams and monitor the performance of the team members to comply with the Bank’s policy and guidelines.
Ensure that dual control is maintained in the teams.
Ensure and manage the teams complying with guidelines / procedures on Department level, Bank level and audit standards.
Conduct performance appraisal and handle staff issues within the teams.
Lead the teams to meet service level agreed with Business or other Operational departments and service partners.
Participate in audit reviews and handle audit / external regulators’ enquires and regulatory requirement.
Support Department Head on team management and development plan of the teams; identify and manage the high talents; create improvement opportunities to team members as well as work on ad hoc projects as and when required.
Incumbent Requirements :
Degree holder or above with minimum 10 years’ experience in credit process of banking industry of which at least 5 years in managerial level.
Excellent knowledge on credit operation function, banking products and regulatory requirement.
Proficiency in PC skills including Microsoft Word, Excel and Access, etc.
Good analytical, interpersonal and communication skills.
Good team player and detail-oriented.
Good command of spoken and written English & Chinese.