Credit and Risk Management Division Head

Credit and Risk Management Division Head (RCBC Leasing)

Job Summary: Responsible for Customer Onboarding and Portfolio Management, Managing and Reporting of Risk, Compliance and Regulation, and Due Diligence and Transaction Monitoring.

• 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.

• 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.

• Mid-Senior level

• Full-time

• Finance, Analyst, Accounting/Auditing
• Industries
• Banking

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