Senior Credit Manager – Retail and Commercial China Construction Bank – Auckland, North Island
China Construction Bank Corporation, established in October 1954 and headquartered in Beijing, is a leading large-scale commercial bank in China. At the end of 2020, the Bank's market capitalization reached US$191,889 million, ranking fourth among all listed banks in the world, and second among global banks by Tier 1 capital.
The Bank has approximately 15,000 banking outlets and 350,000 staff members, serving hundreds of millions of personal and corporate customers globally. The Bank has subsidiaries in various sectors, including fund management, financial leasing, trust, insurance, futures, pension and investment banking, and operates more than 200 overseas entities across 31 countries and regions.
About CCB NZ
China Construction Bank has operated in New Zealand since 2014. CCB operates via both a wholly owned subsidiary (CCB NZ Ltd) and a Branch (CCB NZ Branch).
CCB in New Zealand provides customers with a range of banking products covering Corporate & Institutional, Commercial and Retail Banking.
At CCB NZ, we are proud of diverse backgrounds and unique perspectives of our staff. We believe that our success and growth in New Zealand is built on our collaborative approach and are united in the strong desire to make a positive impact for our customers and communities we work for.
About the role
We are seeking a seasoned credit manager with retail and/or mid-market credit experience, to join the New Zealand credit team of the second largest global bank. This role will have the responsibilities for the credit risk assessment, structuring and execution of credit transactions across retail and commercial banking.
Key responsibilities:
Credit assessment for transactions across retail and commercial lending, with opportunities to be cross-trained on credit assessment and management support for the corporate and institutional segments
Being a member of the bank's credit committee
Providing oversight and working with the business functions to ensure the appropriate management of credit risk within the bank's appetite, and the timely management of customers and industries that require more active attention and review
Driving continuous improvements to the credit risk frameworks, policies, procedures and methodologies in line with the bank's business strategy, risk appetite and the Groupwide and local regulatory requirements
Active monitoring of the bank's credit performance, other credit related risks (e.g. country risk, concentration risks etc.), regulatory obligations (e.g. RBNZ high LVR and DTI requirements, CCCFA) and responsible for ensuring the timely oversight and review of credit quality movements, ratings refresh, annual reviews of the wholesale customers, covenants compliance etc.
Supporting the wider credit team with the day-to-day operations of the credit function, and the wider key credit deliverables. The role also provides the right person with the opportunities to be involved in credit and risk related projects/ initiatives from time to time
Adding to the credit experience pool for CCB NZ, and providing coaching and experience sharing with the Credit team and the business functions to further strengthen CCB NZ's credit capability and understanding of the local markets
Key Requirements:
Seven plus years in wholesale credit risk role
Excellent knowledge of credit risk management concepts and techniques, and an in-depth understanding of the New Zealand market
Strong understanding of the key regulatory requirements in the retail segment preferred
Deep understanding of the commercial and property segment advantageous
Experience or exposure to debt restructuring and business recovery a plus
Proven relationship management skills and the ability to communicate with and influence all levels of the organisation
High degree of emotional intelligence, and ability to perform under pressure and manage tight deadlines
Ability to operate at a strategic and operational level, and willingness to support to the wider credit team to ensure the completion of key credit deliverables (e.g. contribution into management and Board credit reporting, and providing overflow coverage to the retail credit function)
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