Description
We are seeking a Credit Risk Vice President to assess and approve credit transactions in line with the bank's risk appetite, credit policies, and regulatory requirements. You will work closely with Front Office, Risk, and other stakeholders to provide independent credit decisions, oversee portfolio risks, and support responsible lending practices across the business.
Key Responsibilities:
- Analyse lending applications, financial statements, credit reports, and other relevant documents to assess the borrower's creditworthiness and repayment capacity.
- Monitor the performance of approved lending, identifying potential risks and early warning signs of delinquency.
- Evaluate the risk profile of each application considering factors like industry trends, borrower financials, collateral, and market conditions.
- Provide independent credit decisions on lending applications, adhering to established credit policies, risk parameters, and regulatory requirements.
- Develop and implement appropriate courses of action for troubled lending, including workout plans, restructuring, or collections.
Vice President Expectations:
- Contribute to or set strategy, drive requirements, and make recommendations for change.
- Plan resources, budgets, and policies; manage and maintain policies/processes; deliver continuous improvements and escalate breaches of policies/procedures.
- Demonstrate leadership and accountability for managing risk and strengthening controls in relation to the work of your team.
- Collaborate with other areas of work to provide business-aligned support.
Requirements:
- Current or previous experience in a credit risk management role and exercising credit approval authority or making credit decisions.
- Strong knowledge of the Japanese political and economic environment and its impact on the Japanese financial sector.
- Strong verbal and written communication skills in English, along with native-level proficiency in Japanese.
- Ability to analyse and interpret financial statements, supported by strong numerical and analytical skills.