Credit and Risk Management Division Head (RCBC Leasing)

RCBC


Date: 3 days ago
City: Makati City
Contract type: Full time
Job Summary

  • Responsible for Customer Onboarding and Portfolio Management, Managing and Reporting of Risk, Compliance and Regulation, and Due Diligence and Transaction Monitoring

How will you contribute?

  • I. Customer Onboarding and Portfolio Management
  • Ensure timely review and analysis of credit customers and proposed facilities by analysts.
  • Apply the latest S&P guidelines and overlays from the parent bank in the credit risk assessment processes.
  • Guarantee compliance with credit policies throughout the customer onboarding process and day-to-day credit transactions.
  • Manage and oversee the implementation of credit programs as directed by management.
  • Conduct periodic assessments and report on the leasing portfolio’s credit risk in compliance with regulatory and parent bank guidelines.
  • II. Managing and Reporting of Risk
  • Monitor organizational risk in accordance with the framework and reporting guidelines established by the parent bank.
  • Provide oversight and reporting of treasury liquidity risk to the parent bank.
  • Conduct independent reviews of the Top 20 credit exposures of the company.
  • Collaborate with the parent bank to streamline risk management processes.
  • Report findings to the Risk Oversight Committee, outlining potential risks and mitigation strategies.
  • III. Compliance and Regulation
  • Ensure compliance with applicable banking laws, regulations, and internal policies.
  • Stay informed about new regulations affecting the organization, liaising with the Compliance Group as necessary for interpretation and application.
  • Oversee the timely completion of reportorial requirements and ensure submissions are made before deadlines.
  • Address compliance findings and implement corrective actions to prevent reoccurrence.
  • Ensure timely submission of quarterly anti-money laundering certifications to the Compliance Office.
  • Report significant compliance breaches or violations to the Compliance Office for immediate resolution.
  • Serve as a liaison with the Operational Risk Management Group (ORMG) on matters of information governance, business continuity, and consumer protection.
  • Assist business units in submitting operational risk reports and implementing risk management strategies.
  • Participate in operational risk training to promote knowledge and awareness across departments.
  • Drive initiatives that foster a culture of awareness and understanding of risk management within the organization.
  • IV. Due Diligence and Transaction Monitoring
  • Conduct due diligence in line with the Bank's Money Laundering and Terrorist Financing Prevention Program (MLPP), focusing on:
  • Know Your Customer (KYC) standards
  • Suspicious Transaction Monitoring
  • Records Keeping and Retention
  • Implement enhanced due diligence measures for transactions that involve potential anti-money laundering risks, ensuring appropriate investigation and reporting to the Compliance Office.
  • Develop strategies to monitor, control, and rectify risks associated with compliance issues that arise within the organization.

What will make you successful?

  • Bachelor's degree in Business Administration, Economics, Management and Finance. Post-graduate degree and/or relevant trainings are an advantage.
  • Must be comfortable with numbers, highly analytical. Familiarity with bank products and services is a plus.
  • Must have excellent oral and communication skills (English and Filipino). Team player, with good interpersonal skills but can also work independently and with minimal supervision.
  • Must be proficient in MS Word, Excel and PowerPoint or similar softwares.
  • Demonstrated leadership through extra curricular activities also an advantage.

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