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.