Sr. Analyst Credit Risk Management
Ajman Bank
مجموع سنوات الخبرة :12 years, 4 أشهر
Work with senior management, front office, Risk, Product Control, Finance and other key stakeholders to design, develop and implement reporting and monitoring.
• Take a lead role in the coordination and compilation of core regulatory documentation and processes including ICAAP and stress testing.
• Prepare and monitor bank wide Risk Appetite and central bank reports.
• Supports organizational compliance with risk policies through regular risk exposure monitoring and reporting.
• Support to design, build and implement methodologies, models, reporting dashboards for the analysis.
• Supports the strategic development, implementation, and effective execution of the Enterprise Risk program.
• Support in PD, LGD and ECL model development.
• Compute expected credit Loss (ECL).
• Analyze & monitor performance of consumer finance portfolio and report on key/emerging risks and trends.
• Execute root cause analysis to identify performance drivers and the associated risks/opportunities.
• Identify all key/unique portfolio segments and provide line of sight into performance trends and risks.
• Review Key Risk Metrics and portfolio caps in order to effectively manage the risk inherent in the portfolio and make recommendations to add, enhance or refine the metrics as appropriate.
• Develop benchmarks and track performance of any credit expansion tests to ensure portfolio growth is profitable and within risk tolerances
• Perform credit loss forecast, reserving analysis and pricing analysis as needed.
• Ensure the data necessary to support portfolio management analytics is robust and where deficiencies exist develop interim solutions to manage portfolio risk and long-term action plans to remediate any data issues.
• Maintain current understanding of applicable regulatory requirements for consumer finance and ensure policies and procedures are fully compliant.
• Review policies and procedures to ensure adherence to credit risk-related operating procedures as well as alignment with the business strategy and risk appetite.
• Create & distribute daily/monthly/Adhoc MIS related to Retail banking.