Establish and update credit risk related policies and procedures in line with BOC-HO's Risk Governance Framework & Risk Appetite, industry practice, regulatory guidance, HO guidance, and changes in market condition.
Maintain and risk management of deals, loans, and, transactions, establish and update applicable risk metrics to enable comparisons of Bank's risk limits and risk tolerance on portfolio and aggregated enterprise level, in line with Bank's risk appetite.
Develop, enhance, and maintain various credit measurement methodologies, including but not limited to loan loss provisioning, rating methodology, and stress testing, etc.
Credit Risk Monitoring and Portfolio Analysis: monitoring the Bank's credit risk profile, including but not limited to: asset quality, change of portfolio composition, concentration, rating migration, and changes of loan provisions.
Conduct quarterly credit risk assessment and review, and challenge front-line unit's self-assessment, engage in internal/external communication regarding adherence or breach to risk metrics.
Conduct credit stress testing frequently and as/when required.
Perform portfolio reviews, risk rating processes and other programs reviews across product groups
Work with counterparts on credit approval, review and analyze credit presentations submitted to credit committee for approval or discussion;
Consult on how best to structure transactions that align to business objectives.
Prepare credit risk memos which provide a general overview of the credit, along with a highlight of risks and other observations which are deemed relevant.
Writing of credit reviews, transaction memos, financial modeling and special projects
Conduct scenario stress testing and analysis of portfolio & ensure no relevant scenarios are missed in testing
Develop and enhance credit risk management system and tools
Responsible for periodically conducting local economic and industry analysis
To ensure that ML/TF circulars / regulations are embedded in bank policies.
To ensure that ML/TF compliance / Risk related policies / procedure are updated as and when required.
To ensure that regulatory / HO reporting are done in a timely manner.
Credit Administration
Reporting to SBP
To ensure timely submission of SBP eCIB borrowers data as per the guidelines of BC&CPD for eCIB Data Quality Management
Extraction of Borrowers data upon request of peer departments for onward assessment
Assist Internal/External Audit team in order to conduct eCIB Reporting assessment according to the regulatory guidelines.
To ensure preparation and timely submission of following regulatory reporting
Stress Testing
Banks Capital Adequacy Ratio (CAR) Audited & Un-Audited
All other list of regulatory reporting, updated time to time on SBP data Acquisition Portal & instructions cascade to the Banks.
Vendor Management
Borrowers Reporting to all the Private Credit Bureus as instructed by the regulator
Coordination with all the on-boarded Law Firms (Adhoc & Retainer ship) on behalf of Bank
Coordination with all the on-boarded Appraisal Firms on behalf of peer departments.
Conduct Annual review and assessment of LAW Firms & Appraisal Firms as per Banks internal policy.
Green Banking
Act as Green Banking officer & responsible for timely reporting of Green Banking Status to SBP as per the Green Banking Guidelines issued by the SBP.
Other Task
Assisting the auditors during ICFR and Audits.
Any other task as an when assigned by the Head of Risk.
