Manager Credit Risk Evaluation

Manager – Corporate Credit Risk Evaluation

*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 And 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.*