Manager Credit Risk Evaluation

JOB DESCRIPTION

Manager – Corporate Credit Risk Evaluation

ROLE OBJECTIVE

The Manager – Corporate Credit Risk Evaluation is responsible for independent evaluation, approval, and escalation of corporate credit proposals and for ongoing portfolio risk oversight , ensuring alignment with the Bank’s risk appetite, internal credit policies, and QCB regulatory requirements.

The role operates as a key credit decision authority within the Corporate Credit Risk function, providing effective challenge to business proposals, supporting sustainable asset growth, and safeguarding portfolio quality.

KEY ROLES & RESPONSIBILITIES

A. Credit Evaluation & Decision‑Making

• Independently review, assess, approve, or recommend corporate credit facilities (new, renewal, enhancement, amendment) within the approved delegated authority.
• Evaluate financial statements, cash‑flow projections, business models, facility structures, collateral, and guarantees , with a primary focus on repayment capacity and risk sustainability.
• Identify inherent credit risks and assess the adequacy of risk mitigants in line with approved credit policies and regulatory guidelines.
• Prepare and/or review Credit Memos, Credit Cover Sheets, and Term Sheets , ensuring clarity, accuracy, and risk transparency.
• Present credit proposals and risk assessments to Credit Committees or senior approving authorities , as required, and address queries effectively.

B. Corporate Credit Portfolio Management

• Manage and monitor the credit risk profile of the assigned corporate portfolio throughout the credit life cycle.
• Track early warning signals , covenant compliance, conduct of accounts, and sector / single‑name concentration risks.
• Recommend preventive or corrective actions , including restructuring, limit adjustments, or enhanced monitoring, to manage emerging risks.
• Escalate material or deteriorating risks to the Section Head and senior management in a timely manner.

C. Policy, Governance & Regulatory Compliance

• Ensure all credit evaluations and decisions comply with internal credit policies, procedures, risk appetite statements, and QCB regulatory requirements .
• Apply policy judgment when assessing exceptions and deviations and provide reasoned recommendations for approval.
• Contribute to the review and enhancement of credit policies and procedures in response to regulatory changes or market developments.
• Support internal audits, external audits, and regulatory reviews by providing timely and accurate information.

D. Stakeholder Engagement & Business Partnership

• Work closely with Corporate Banking, Wholesale Banking, Treasury, Credit Administration, and Credit Control teams to ensure end‑to‑end credit risk management.
• Engage with Relationship Managers, and where appropriate, clients to understand business operations, funding requirements, and risk drivers.
• Provide constructive challenge and guidance to business teams to ensure balanced risk‑return outcomes.

E. People Management & Coaching

• Guide and support Credit Risk Analysts / Senior Credit Risk Analysts in the preparation and quality of credit assessments.
• Review credit analyses prepared by team members and provide feedback to enhance judgment, structure, and risk articulation.
• Support the Section Head in recruitment screening, performance feedback, and capability development within the Credit Risk Evaluation unit.
• Act as a technical mentor and role model , maintaining consistent credit standards across the team.

AUTHORITY & DECISION FRAMEWORK

• Operates with delegated credit approval authority in line with the Bank’s approval matrix.
• Authorized to recommend and escalate complex or high‑risk proposals to higher approving authorities.
• Participates in Credit Risk Committees and management forums as required.

EDUCATION & EXPERIENCE

Educational Qualifications

• Bachelor’s degree in Finance, Accounting, Business, Economics, or related discipline.
• Professional certifications (CA, CFA, FRM, MBA) are an advantage but not mandatory.

Experience

• 10–15 years total experience in banking or financial services.
• Minimum 7–10 years in Corporate Credit Risk / Credit Evaluation .
• Proven exposure to corporate and commercial banking clients and complex credit structures.
• Experience operating with delegated credit approval authority and supporting Credit Committees.

TECHNICAL COMPETENCIES

• Corporate financial statement and cash‑flow analysis
• Credit structuring and risk mitigation techniques
• Credit grading / rating methodologies (working knowledge of PD, LGD concepts)
• Portfolio risk monitoring and concentration analysis
• Strong written and verbal credit risk articulation

Strong judgment and interpretation skills are critical; model development is not a core requirement.