AVP Credit Risk Governance

Allowance for Credit Losses Management

• Oversee the estimation process for credit loss allowances, ensuring precision and compliance with relevant accounting standards (e.g., CECL, IFRS 9).
• Prepare and review internal reports and presentations related to credit losses for senior leadership and regulatory agencies.
• Collaborate with modeling and data teams to enhance methodologies and optimize predictive analytics.
• Develop and maintain policies and procedures for credit loss estimation and reporting.
• Ensure regulatory requirements and internal controls regarding ACL are consistently met.
• Coordinate with credit officers, finance, and accounting teams to synchronize credit loss estimation processes and underlying assumptions.

Credit Risk Monitoring and Reporting

• Track credit risk metrics, including asset quality, portfolio composition changes, concentrations, rating migrations, and loan provision adjustments.
• Produce reports on adherence to or breaches of risk metrics.
• Prepare monthly credit risk reports for relevant committees, such as the Credit Risk Committee, Risk Management and Internal Control Committee, and quarterly Board meetings.
• Create portfolio reports and analyses, covering areas like Key Risk Indicators (KRIs), exposures, credit ratings, concentrations, and exception management.
• Submit periodic reports, including asset quality, credit risk, credit counterparty risk, and major event analyses, as required by internal stakeholders.

Credit Risk Policies and Procedures

• Refine and update credit policies and procedures in alignment with industry best practices and regulatory guidance.

Regulatory and Audit Coordination

• Act as a liaison for communications with regulatory bodies and auditors regarding credit-related inquiries.
• Support the organization during internal/external audits or regulatory examinations by preparing responses and addressing questions.
• Manage remediation initiatives, including proposing action plans and tracking progress to resolution.

Risk Committee Administration

• Propose meeting agendas, compile materials, and document minutes for risk-related committees.

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