Head - Risk Management (Credit Risk)

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Independent Credit Review

1. Direct the production of independent credit review reports for senior management and Board of Directors.

2. Drive the in-depth analysis of bank's credit portfolios to review the portfolio performance, assets quality and to surface material credit risk vulnerabilities and mitigants.

3. Control via independent reviews to ensure that credit decisions are in accordance with the Bank's credit risk strategy and appetite, policies and regulatory requirements via sampling the appropriateness of credit grading and provisioning.

4. Comment and influences on whether risk appetite or underwriting approaches needs to be enhanced in the Bank.

Credit Portfolio Risk

1. Direct the performance of periodic and complex credit risk Stress Testing in collaboration with ICAAP/ST team.

2. Direct the Performance semi-annual review of MFRS9 forward looking model with takes into account complex operating variables in risk modelling.

3. Direct the performance of sensitivity analysis based on historical macroeconomic variables and provide Financial Statements statutory disclosure information.

4. Drive the preparation of Credit Portfolio Risk Reporting for senior management and Board of Directors that discusses business and risk trends, forward looking issues, and influences strategic directions for business development and for risk mitigation for the Bank.

Single Customer Exposure Limit & Connected Party

1. Ensure the robust operations of the SCEL & CP Policy.

2. Ensure timely and accurate reporting of SCE/CP information to Senior Management and BNM.

3. Provide advisory support to internal parties pertaining to CP & SCEL policy matters.

4.Develop/Implement system enhancement/automation on CP & SCEL data extraction and reporting.