Risk & Management – Wholesale Credit Risk Manager Job in 客戶服務 in 所有澳門特別行政區地區

Risk & Management – Wholesale Credit Risk Manager Job in 客戶服務 in 所有澳門特別行政區地區 - Job Description

職位內容

公司名稱: OCBC Bank (Macau) Limited
關於華僑銀行

華僑銀行是新加坡成立時間最早的本土銀行，在 1932 年由三大華資銀行合併而成，當中最早的成立於 1912 年。華僑銀行是世界上最高度評價的銀行之一，擁有穆迪Aa1 級評級及惠譽和標準普爾 AA評級。以廣泛認可的金融實力和穩定性，華僑銀行連續數年蟬聯由《環球金融》雜誌頒布的「全球最安全的 50 家銀行」贊譽，同時在《亞洲銀行家》雜誌的評選中榮膺「新加坡最佳管理銀行」殊榮。

以資產規模來說，華僑銀行是東南亞第二大金融服務集團。華僑銀行及其附屬公司向客戶提供全方位商業銀行、專業金融和財富管理服務，包括個人業務、公司業務、投資業務、私人銀行業務、交易銀行業務、財資業務、保險、資產管理和股票經紀業務。

華僑銀行的私人銀行服務由其全資附屬公司——新加坡銀行（Bank of Singapore）提供。新加坡銀行通過獨特的開放式產品平台，向客戶呈現資產類別中頂尖的產品組合。華僑銀行的附屬保險公司——大東方控股（Great Eastern Holdings），是新加坡和馬來西亞最大及歷史最悠久的人壽保險集團。其旗下的資產管理公司利安資金（Lion Global Investors）是東南亞領先的私營資產管理公司之一。其經紀子公司華僑銀行證券是新加坡領先的證券公司之一。

華僑銀行的主要市場包括新加坡、馬來西亞、印尼和大中華。華僑銀行在 19 個國家和地區擁有近 390 家分行和代表處。

請瀏覽 www.ocbc.com.hk 以了解更多華僑銀行香港的資訊。

About OCBC

OCBC is the longest established Singapore bank, formed in 1932 from the merger of three local banks, the oldest of which was founded in 1912. It is one of the world’s most highly-rated banks, with Aa1 by Moody’s and AA- by both Fitch and S&P. Recognised for its financial strength and stability, OCBC is consistently ranked among the World’s Top 50 Safest Banks by Global Finance and has been named Best Managed Bank in Singapore by The Asian Banker.

OCBC is the second largest financial services group in Southeast Asia by assets. The Group offers a broad array of commercial banking, specialist financial and wealth management services, ranging from consumer, corporate, investment, private and transaction banking to treasury, insurance, asset management and stockbroking services.

OCBC’s private banking services are provided by its wholly-owned subsidiary Bank of Singapore, which operates on a unique open-architecture product platform to source for the best-in-class products to meet its clients’ goals. Its insurance subsidiary, Great Eastern Holdings, is the oldest and most established life insurance group in Singapore and Malaysia. Its asset management subsidiary, Lion Global Investors, is one of the leading asset management companies in Southeast Asia. Its brokerage subsidiary, OCBC Securities, is one of the leading securities firms in Singapore.

The Group’s key markets are Singapore, Malaysia, Indonesia and Greater China. It has close to 390 branches and representative offices in 19 countries and regions.

For more information, please visit www.ocbc.com.hk.

Risk & Management – Wholesale Credit Risk Manager

Responsibilities:

Review and assess Credit Proposals / Credit Reviews / Credit Memos and other credit applications for corporate and commercial borrowers.
Conduct independent credit analysis on borrowers, guarantors, security structures, industry outlook, financial performance, cash flow generation and repayment capacity.
Evaluate key credit risks and assess the adequacy of risk mitigants proposed by Business Units.
Verify the appropriateness of customer segmentation, industry classification, credit grading and internal rating assessments performed by Business Units.
Review compliance with the Bank's Credit Policies, Target Market (TM), Risk Acceptance Criteria (RAC), regulatory requirements and internal guidelines.
Review ESG risk assessments and ensure that the proposed ESG risk rating is appropriate and adequately supported.
Independently review AML/CFT/KYC-related information and identify any material concerns that may affect credit decisions.
Ensure that the Bank's exposure remains within approved internal, regulatory and concentration limits.
Exercise delegated lending authority to approve, decline, recommend or escalate credit applications as appropriate.
Participate in annual reviews, portfolio reviews, watchlist monitoring and problem credit discussions where required.
Independently review covenant compliance and approval condition fulfilment where applicable.
Provide credit advice and feedback to Business Units on structure, risk mitigation and policy interpretation.
Support the implementation of credit policy enhancements, regulatory changes, system enhancements and other departmental initiatives.
Perform ad hoc assignments and projects as assigned by Team Head and Department Head.

Requirements:

Bachelor’s degree or above, preferably in Accounting, Finance, Banking, Business Administration or related disciplines
Minimum 8 years of experience in corporate banking, credit analysis, credit risk management or wholesale lending, with substantial experience in independent credit assessment
Strong financial analysis and credit assessment skills.
Proficient in Microsoft Office applications including Excel, Word and PowerPoint.
Good understanding of financial statements and credit risk fundamentals.
Strong analytical and report writing skills.
Good command of English and Chinese (written and spoken)

OUR BENEFITS

As rewards to high achievers, we offer an attractive remuneration package which includes:

• Performance bonus
• Paid family leave
• Sales incentive
• Education subsidy
• Privileged staff mortgage plan
• Provident fund scheme
• Medical coverage with flexible benefit
• High-yield payroll account

HOW TO APPLY

If you would like to head start your career in a fast growing organization, please send your application with position title and your CV to our bank:

By e-mail: career_mac@ocbc.com

By Mail: Human Resources Department
OCBC Bank (Macau) Limited
241 Avenida de Almeida Ribeiro, Macau

*Personal data collected will be kept confidential and used for recruitment purpose only.