Prepare fixed income credit proposals, provide analytical support in submissions to the relevant approving authorities and ensure speedy turnaround time. This includes the following: identify pertinent credit related issues, liaise with business units and internal approvers to obtain approvals, handle post-approval work process.
Evaluate the credit quality of the Bank’s Corporate Loan portfolio in various industries and identify pertinent credit & other deal related issues.
Monitor the fixed income / loan portfolio to ensure any deterioration in the asset quality is properly escalated to the relevant authorities.
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Effectively leverage on non-retail credit risk management Tools including, but not limited to, Rating Methodology, Early Warning Indicators (EWI), Risk Acceptance Criteria (RAC), Country Sector Limit, Stress Testing, JDA Framework and Non-Retail Credit Risk Portfolio Reporting, so as to ensure a robust and independent underwriting, approval and portfolio review process that is aligned with Board approved Risk Posture and Risk Appetite.
Keep abreast of market and regulatory developments that could impact underwriting standards and asset quality. Make recommendations for changes in the various Tools as required.
Ensure timely initiation of client and/or portfolio reviews using the EWI framework, and timely and accurate classification of Watch List names, inclusive of corrective actions steps by the SBU’s.
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Support Group performance management on Expected Credit Loss (ECL) and asset quality by supporting the execution of end-to-end ECL target-setting and forecasting activities, providing timely analytics and insights that enable the Head and senior stakeholders to steer performance, protect asset quality, and deliver sustainable earnings across Retail and Non-Retail businesses.
Support early warning monitoring and forward-looking portfolio diagnostics, analyse risk signals and prepare Exco-ready materials through close partnership with Country Finance, Group Risk, and business stakeholders across CIMB Group’s operating countries.
Support Head/Lead in executing the Group ECL target-setting deliverables for budget/forecast cycles (assumptions, templates, timelines, consolidation) and support Head’s recommendations for senior management endorsement.
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