Job Description 

Roles and Responsibilities :

• Independently assess credit risks of corporate, commercial and institutional Real Estate related transactions as well as ESG aspects to ensure compliance with internal strategies, guidelines and regulatory requirements.
• Work with Relationship Managers to ensure all credit transactions are in accordance with the Bank’s credit policy, credit underwriting standards and risk appetite.
• Evaluate and pro-actively manage the Bank’s global Real Estate loan portfolio, encompassing new deals and credit reviews, portfolio management and industry reviews.
• Identify and provide timely & sound credit risk mitigation strategies for potentially weak credits for early remediation.
• Provide support to the Department’s risk objectives including portfolio stress tests, industry/portfolio reviews, credit projects etc.
• Maintain a quality loan portfolio jointly with Business Units.

Requirements:

• University degree with at least 15 years of banking experience in marketing/ relationship management and/or credit responsibilities of large corporate and commercial Real Estate credits. Experience in credit risk approval with exposure to Real Estate credits will be preferred.
• Good knowledge of the real estate industry in various geographical markets. 
• Strong credit and analytical skills with proven ability to work independently and as part of a credit risk team.
• Good understanding of loan documentation and credit processes.
• Excellent communication and stakeholder management skills.