Director, CISB Credit
KBD: Financial/Business Management
- Responsible for the delivery of key performance targets ensuring that credit decisions are within credit risk appetite.
- Through effective credit management, maximize shareholder value ensuring a balanced risk-reward trade-off.
- Manage and minimise credit losses to maximize business profits.
- Effectively manage operational credit costs through efficiency and processes/ strategy improvements.
- Take ownership of issues and resolve where appropriate.
- Develop and maintain comprehensive market knowledge within the industry sector and be recognised by our internal and external stakeholders as a market leader in Risk for the sector
- Demonstrate a strong customer service ethic to all stakeholders.
- Develop relationships with counterparties in other banks.
- Strive to maximise the internal reputation of the team and the external reputation of the bank.
KBD: Employees
- Contribute to a strong motivated team, identify, nurture and grow talent
- Embed Enterprise Behaviours and a merit based culture
- Maintain high levels of employee engagement and satisfaction.
- Responsible for health and safety for all employees.
- Develop and promote a team oriented work environment that is enjoyable and rewarding for employees, and consistent with the underlying objectives of the business.
- Work closely with peers to ensure all needs are understood and key initiatives are delivered.
- Ensure rigorous and transparent performance management processes with clear links between performance and reward.
- Develop and promote career development opportunities for recognised talent.
- To lead by example by demonstrating commitment to the Enterprise Behaviours.
- Contribute as a senior leader of Risk.
KBD: Process, Quality Capability Leverage
- Provide professional and ethical behaviour in your actions by ensuring compliance with external legislation, bank standards and internal operating policies and procedures relevant to the position.
- Escalate any problems, issues, policy breaches or risks which could potentially have a significantly negative impact on any aspect of business operations, financial position or the level and quality of service provided to customers.
- Continuously improve processes, tools and practices employed by the team. Pursue best practice.
- Actively promote a culture of innovation, and successful implementation.
- Establish or champion appropriate policies and procedures, ensuring effective implementation, communication, maintenance and compliance, in order to maximise efficiency and minimise risk to the Group.
- Delegated Commitment Authority as delegated by the Board.
- Responsible for the asset quality of BB WB within risk appetite parameters for sector/Product responsibilities.
- Responsible for cost management as required.
- Innovation and creating a credit function which is at best practice from an efficiency and risk management perspective.
- Maintain strong partnerships across all business units.
- Be attuned to changing global environment and make recommendations for portfolio actions where considered appropriate.
- Managing conflict when decision is counter to the front line's desired result.
- Getting the right mix of risk -v- reward.
- Ensuring credit risk controls remain up to date and are capable of identifying early warning signals and are suitable for managing risk arising from the business plans.
- Engaging in and facilitating the management of regulatory requirements and inquiries relating to the Sector.
- Demonstrate commitment to and awareness of governance, compliance regulatory controls and overall risk appetite.
- Effectively manage a team
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