REQUIREMENTS:

• Familiar with local and HQ’s credit and risk management laws and regulations
• Sound knowledge of organizational structure and good communicationskills
• A good recognised Bachelor and/or Master’s degree in Business, Banking and Finance, Treasury Management or related discipline
• At least 15 years’ experience in the Banking industry and a proven track record in International Banking, Risk Management, Loan Department Prior experience in drafting policies, Standard Operating Procedures (SOP) and implementation
• Good command of written and spoken English and Chinese as this role handles East Asia and US market; requires email correspondence and periodic reports in both English and Traditional Chinese for overseas branch offices and HQ in Taiwan
• Advanced in Microsoft Word, Excel and PowerPoint
• Possess business acumen, solid management skill sets and ability to motivate the team
• Ability to provide on-the-job training to team members, provide technical support, and increase overall quality of the team

• Supervise team to execute various risk management projects, review of operations and implement internal control in compliance with local laws and HQ requirements.
• Review credit memo information prepared by Risk Management team to ensure that all required information is complete, accurate and in compliance with local laws and HQ requirements.
• Review and conduct due diligence for all credit and bond applications (both in Chinese and English) before submitting to Branch Manager, HQ or Board of Directors for approval.
• Plan and direct the risk management team to conduct regular credit review of loan disbursement, bonds, and post-loan management of Branches. Ensure all information and documentation (both in English and Chinese) are accurate. When there are doubtful borrowers, to highlight and issue warnings, in order to ensure quality of loans in Branches.
• Prepare, review and regular update of risk management operating procedures (both in English and Chinese), in compliance with local and HQ/Taiwan requirements.
• Liaise and communicate with HQ in Taiwan on queries and various risk management issues.
• Conduct background check and KYC of customers before submitting loan applications for approval.
• Prepare credit risk report for any changes in credibility of borrowers or guarantor and propose remedial action.
• Perform due diligence including independent credit risk analysis and review of syndicate terms before committing to the syndication.