Manager, Portfolio Management
2 days ago
- Reports to the Commercial Credit Zone Head
- Assist CCZ in supervision and credit management of CBCs portfolio with special attention to follow up on delinquency Customer to prevent account falling into impaired status
- Review of portfolio and work closely with CCZ to formulate remedials for weaker credit not limited to exit plan to safeguard Bank's interest.
- Collaborate with CBCs in the submission of R&R proposals. Thereafter to closely monitor the implementation and compliance of the R&R proposals with the CBCs, to prevent the accounts from falling into impaired status.
- Assist the CCZ in preparing for the monthly Sub-AQ & AQ meeting which discussed on the asset quality position of the division with specific plans of action
- To assist CCZ in preparing monthly Fresh Impairment and Loan Loss Provision Projection, monthly submission of the FRS 139 (IA Provision) for the CCZ sign-off
- Follow-up with the CBCs on the recommended course of action for the Early Warning Customers.
- Follow-up with the CBCs on the overdue reviews, unrated and stale rating accounts to ensure timely submission.
- Administrative tracking and monitoring of monthly stale / unrated/ Interim Credit Risk rating/ overdue review / bullet & balloon credit / trade risk indicator / escrow accounts monitoring / R&R submission/ Country Risk Rating.
- Assist CCZ in reviewing on all operational approvals under CCZ/Head of Business Banking/Co-CEO, Group Commercial & Transaction Banking (i.e adhoc appointment of insurance co/ waiver of perils/ pricing & RAROC approval checking / Letter of support / NDA etc).
- Visit CBCs/ customers with AQ issues and to work with CBC to resolve issues concerned for improvement of Asset Quality.
- Participate in Stress Test & Portfolio Assessment by providing feedback, justification on EW placement and remedial (if warrant) as and when Stress Test is initiated either by Group Risk or EW Team.
- To review and conduct post mortem on accounts turning impaired with specific learning lessons, common errors, major cause of default etc.
- To review Trade Finance Alert/ Trade Risk indicator reports to ascertain risks associated and formulate remedials (if warrants)
- To assist and provide guidance to CBCs in terms of policies, compliance to the systems, controls & guidelines of the Bank. In the event of non-compliance to escalate to respective authorities.
- Monitoring of Sector Appetite limit (i.e Upon Bank wide utilization threshold hits)
- Assist CCZ on other ad-hoc projects.
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