Assistant Manager, Credit Risk Control

The Role Responsibilities

• Prepare facility letter and security documentation in accordance with credit approval.
• Provide a high-level quality support and advice to the Relationship Managers in the Business Units on all documentation related matters.
• Liaise with Legal counsel teams on non-standard documentation if deem necessary.
• Conduct authorization checking on executed documentation and due diligence validation on collateral requirements.
• Ensure all facilities and securities documentation & conditions have been perfected prior to drawdown of facilities.
• Maintain documentation and collateral data in the Bank’s various MIS for proper BASEL reporting.
• Work on ad hoc projects, cross border support as required.
• Devise and execute short to long term implementation plan to improve operations flow of the business to cope with continual business growth.
• Liaise with business units, other supporting operations and external business partners when necessary to support business development and expansion.
• Monitor the efficiency, effectiveness and quality of the operations from time to time and provide corresponding actions for improvement with respect to the changing business or customer needs.
• Enable synergy within the Unit/across other operations to maintain the best interest of the Bank regarding risk control and resources utilization.

Strategy
Targeted Improvements

• Act as a service partner, work together with RMs, Product Sales, Operations and other key internal stakeholders to solve client channel issues and identify opportunities to improve overall service for the clients.
• Ensure uniform approach towards implementation of Global IMO Model and adherence to DOIs.
• Deliver excellent service against agreed service standards, delivery standards, and minimal error rates as appropriate.

Automation and Streamlining

• Drive continuous improvement of the operational efficiency and effectiveness of processes to increase the consistency of systems and processes.

Business

• Provide quality support and advice to Relationship Managers (RM’s) within all lending units on all documentation related matters, including the origination of documentation for customers where required.
• To deliver excellent service and advice to our Corporate (Corporate & Institutional Banking) & Commercial Banking clients in all interactions for their channel activation pre-transactional enquiries/setup, trainings and other channel related issues.

Processes
General

• Perform end-to-end orchestration across all processes and services managed by IMO.
• Engage clients throughout process, ensuring seamless delivery and client experience.
• Own and drive execution of processes, working closely with stakeholders and the value chain to deliver excellent client service, getting clients to the point of ready-to-transact as quickly as possible, across both simple and complex cases.
• Adheres to first time-right principles.
• Provide insight and suggestions to improving processes, identifying opportunities to streamline and automate. Looks at ways to promote standard work and best practices.
• Undertake ad-hoc duties and when delegated by Line Manager and Country Head of IMO.

People & Talent

• Provide effective orientation /guidance to new joiners on the bank’s policies/procedures/processes to ensure their successful assimilation into the team and the bank.
• Develop and implement a personal learning plan with team manager, to attain necessary competencies.
• Successfully complete milestones as laid out in implemented personal learning plan.

Risk Management

• Awareness and understanding of the regulatory framework in which the Group operates, and the regulatory requirements and expectations relevant to the role remit.
• Comply with applicable Money Laundering Prevention Procedures and report any suspicious activity to the operational risk team and Line Manager.
• Ensure a clear and uniform approach towards implementation of the global operating model for all IMO-related processes, and adherence to DOIs.
• Report any deviation (if any) to appropriate authorities and obtain proper dispensations.
• Proactively manage risks and establish/monitor controls to improve the overall state of the risk management and operating framework.

Governance

• Ensure strong due diligence on document safekeeping and data confidentiality.
• Ensure correctness of documentation prior to any dispensation from the Bank.
• Ensure compliance with the internal policies and credit policies, external policies, regulatory and statutory requirements.
• Undertake periodic self-assessment on key controls to assess the proper functioning and adequacy of existing controls.
• Highlight significant issues/errors to team leader

Regulatory & Business Conduct

• Display exemplary conduct and live by the Group’s Values and Code of Conduct.
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Achieve the outcomes set out in the Bank’s Conduct Principles: Financial Crime Prevention; The Right Environment.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders
Internal

• Country IMO Head, Client Delivery Managers and other Specialists, Makers and Checkers
• Control Governance Managers and Specialists
• GBO Hub teams and In-country CET teams
• Account Opening Teams
• Front Office (RMs, CMs, CCMs)
• Lending Documentation Unit
• Commodities Transaction Management Unit
• Business CRM
• Business Operational Risk Manager
• Transaction Banking (Trade, Security Services, and Cash Management) Implementation Managers
• Client Documentation and Control
• Credit Documentation CoE

Other Responsibilities

• Embedding Here for good and the Group’s brand and valued behaviours in the Integrated Middle Office team.
• Performing other responsibilities assigned under Group, Country, Business or Functional policies and procedures.

Our Ideal Candidate

• Bachelor’s degree in Banking or Finance or Management preferred.
• Relevant corporate documentation experience gained in the banking or legal field.
• Sound computer system and banking products knowledge.
• Proactive and dynamic, adaptability to changes for improvement with good attitude.
• Well organised with good accuracy at work.
• A team player with excellent interpersonal and negotiation.

Role Specific Technical Competencies

• Business communication skills and Cantonese.
• Credit Documentation Issuance and Checking. 

Apply Now to join the Bank for those with big career ambitions.