Commercial Credit Risk Policy

Job Summary

      The Commercial and Wholesale Credit Risk Policy Specialist is responsible for developing, implementing, and maintaining credit risk policies for the bank's commercial and wholesale lending portfolios. This role ensures that the bank's credit risk framework aligns with regulatory requirements and industry best practices while supporting the bank's strategic goals. 

Role and Responsibilities / หน้าที่ความรับผิดชอบ

Credit Risk Policy Development and Monitoring :

• Develop, update, and maintain comprehensive credit risk policies and guidelines for commercial and wholesale lending portfolios. Ensure that credit risk policies align with regulatory requirements and industry standards.
• Regularly review and assess the effectiveness of credit risk policies and procedures, recommending improvements as needed.

Credit Risk Management Processes :

• Support the development and implementation of robust credit risk management processes, including credit assessment, approval, monitoring, and reporting.
• Collaborate with credit risk analytics teams to develop and refine risk models, credit scoring systems, and risk rating frameworks.
• Monitor key risk indicators and portfolio performance metrics, identifying emerging risks and trends that could impact the bank’s credit risk profile.

Monitor Credit Limits and Exposures :

• Regularly monitor credit limits and exposures across the commercial and wholesale lending portfolios to ensure compliance with approved limits and risk appetite.
• Identify and escalate any limit breaches, excess exposures, or concentration risks, and work with relevant stakeholders to implement corrective actions.
• Assist in the development and implementation of automated tools and systems for real-time monitoring of credit exposures and limit utilization.

Stakeholder Engagement and Training :

• Liaison between the credit risk function and other departments, including business units, compliance, legal, and internal audit, to ensure a cohesive approach to risk management.
• Engage with external stakeholders, including regulators and industry bodies, to stay abreast of regulatory changes and industry developments impacting credit risk management.
• Contribute to the continuous improvement of the bank’s risk management framework, including process automation and enhancement initiatives.
• Assist in the preparation for internal and external audits, ensuring timely and accurate responses to requests for information

Qualifications / คุณสมบัติ

• Bachelor’s or master’s in finance or others with experience in Wholesale commercial banking would be advantage
• Well-developed judgment in the fields of credit risk management and analysis
• Knowledge of the credit markets and economic / banking system conditions in Thailand and especially within the territories contained within the portfolio

Specific knowledge and skill / ความรู้เฉพาะตำแหน่ง