Vice President, Risk Management, Macau Branch

Mandatory Reference Checking Scheme (“MRC”) for Hong Kong

The Mandatory Reference Checking Scheme is a framework to facilitate Authorized Institutions (“AIs”) to bilaterally obtain reference information during their recruitment process for certain positions, such that misconduct information in an individual’s previous employments can be provided to AIs to inform their employment decisions.

For information related to MRC Scheme, “Frequently Asked Questions for In Scope Individuals” is published by HKAB/Industry Guidelines (https://www.hkab.org.hk/en/home) or further information will be available upon request, if it is applicable to the position(s) applied.

Country of Location:

China Macao

Job Responsibilities:

• Establish local risk policy and procedures, risk monitoring mechanisms for the Branch.
• Ensure full compliance of all relevant regulations to maintain the credit-worthiness and status of the Bank.
• Ensure full compliance of Risk Policies and Guidelines adopted by the Bank.
• Liaison with Head Office to ensure a consistent risk approach and implementation of RMG initiatives.
• Manage credit risk on an on-going basis; act as the ultimate gate-keeper for credit exposure on behalf of the Branch and Head Office.
• Conduct due diligence credit assessment on proposals submitted by Business Unit.
• Seek legal advice and conduct relevant study to ensure bankability and enforceability of facility terms as well as legal documents.
• Promote strong asset quality and establish a strong credit culture through adherence of Group Credit Policies and Lending Guidelines.
• Prepare regular reports on credit and market risk information and communicate the information to Head Office.
• Provide guidance and training to team members and Corporate Banking team on risk management issues, facility structuring and mitigation.
• Research and analyze economic issues and financial data in providing guidance to the Branch in making investment decisions.
• Ensure all risk decisions well communicated in an effective and timely manner.
• Provide updates to the respective functions on changes in risk management requirements from Head Office and/or changes in regulatory requirements relating to credit and other risks.
• Co-manage communicates with regulators and auditors.
• Perform other tasks as assigned by General Manager, Macau Branch
• Implement and comply with anti-money laundering policies and relevant procedures.
• Support frontline and adhere to anti-money laundering / counter terrorist financing requirement and sanction risks controls in accordance with regulatory standards and CNCBI policies.

Requirements:

1. Education Qualification
• Degree holder in Banking & Finance, Risk Management or related discipline.

2. Working Experiences
• Typically requires 5+ years of working experience in local market in credit analysis and operational risk management, familiar with local economy, industries, enterprises and local regulatory expectations.

3. Professional Qualification / HKMA Enhanced Competency Framework Qualification / Professional Examination / License
• Certification in credit analysis related knowledge is preferred.
• Certification in compliance related knowledge is preferred.

4. Business Knowledge
• Adequate knowledge in commercial banking products, including bilateral and syndication loans, real estate finance, and Treasury business related counterparty credit limits, etc.
• Operational risk knowledge and experiences to handle branch operational risk events and incidents.