Empowering a Brighter Tomorrow
As a key member of our Wholesale Credit Team, this role is responsible for providing expert credit support to managers managing high-value customer connections.
The role involves challenging and understanding the performance of the Wholesale Credit Risk function through effective performance management information and detailed portfolio analysis—covering both performing and distressed customers.
It also includes coordinating impairment projections to support planning, budgeting, and forecasting, ensuring charges align with policy.
The role supports strategic development for wholesale credit risk and contributes to shaping business strategies that reduce exposure.
In some cases, the role may involve direct customer engagement to implement risk mitigation strategies.
Key Responsibilities:
* Ensure highest standards of credit quality through sanctioning, sampling, and application of best practice to credit proposals across wholesale portfolio.
* Implementation and ongoing delivery of credit policy and processes.
* Exercise personal judgement and discretion in evaluation and approval/decline of credit proposals.
* Challenge pricing to maximize value.
* Responsibility for personal & team adherence to governance, compliance, and lending portfolio controls.
* Encourage best practice and make recommendations for process change as appropriate.
Business and Team Management:
* Develop strong network of internal contacts and external professionals to maximize benefits and promote the team.
* Driving business performance, including setting targets and challenges, and providing highly effective performance management information.
* Coach, support, and encourage other members of the team.
Risk and Control:
* Ensure all activities and duties are carried out in full compliance with regulatory requirements and internal policies.
* Understand and manage risks and risk events relevant to the role.
Qualifications:
* Bachelor's Degrees and Advanced Diplomas: Business, Commerce, and Management Studies (Required)
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