Senior Manager, Credit Risk – Wholesale Banking

China Construction Bank ("CCB") is seeking an experienced Senior Credit Risk Manager to join our dynamic team within the banking sector. The ideal candidate will play a critical role in assessing, managing, and mitigating credit risks to safeguard the bank's lending portfolio. This role requires a combination of financial expertise, strategic insight, and excellent communication skills to ensure compliance with regulatory standards and support sound decision-making.

Department:   Risk Management Department – Credit Risk

Job Type: Full time and Perm Role

Main responsibilities are:

• Independently carry out a preliminary review of credit risk analysis of the bank's potential and existing corporate customers;
• Independently recommend and form opinion on the Credit quality and rating of the bank's potential and existing corporate customers;
• Provide a critical review of the credit assessment of Front Office staff;
• Monitor, analyze and report emerging credit risks of the bank's corporate customers by detailed management and monitoring of bank's corporate customers' financial data, industry's performance and general market and economic conditions;
• Assist in preparation and critical examination of Post-Lending Management from 2nd line perspective;
• Identify emerging credit risks in the market and prepare reports and data analysis to inform Credit Committee, the Branch Management and HO of the emerging risks;
• Contribute to the development and enhancement of the bank's Credit Risk Management function;
• Assist in the management of Branch's Credit processing system;
• Assist in the management of the Credit Committee (including arrange CC, decision issue and minutes writing); and
• Synchronize and align Head Office Credit Risk policy and procedures with branch level requirements;
• Assist to complete regular and Ad hoc HO and local credit related report;
• Other ad hoc tasks.

The following aspects of this role are indicative only and in no way limit the Bank in allocating additional accountabilities (specific tasks, projects or related activities) to the employee, within the scope of the employee's level of competence, experience, knowledge and qualification.

Credit Analysis(50%)

• Carry out critical credit review and analysis of Front Office's credit application including preparation of credit risk opinions ;
• Regular and routine credit analysis of bank's credit exposures;
• Research and analysis of industry financial data that are relevant to the bank's credit exposures;
• Carry out regular analysis of credit risk issues relevant to the bank's credit exposures;
• Management and Administration of credit risk processing and system;
• Generate detailed financial credit analysis using standard credit models to provide comprehensive information and analysis;
• Support the delivery of detailed credit risk analysis of current economic condition and development; and
• Support the delivery of quality credit and financial analysis of corporate customers and potential deals.

Credit Risk Reporting (35%)

• Prepare reports for Credit Risk Management, Head Office, and Risk Management Committee (including industry, sector, economic or name specific issues);
• Maintain and produce statistical data for Management Information system reporting;
• Support APRA  reporting with other members of the Credit Risk Management team; and
• Prepare analytical reports on market conditions by industry sectors and other ad hoc economic reports for Head Office and the Bank;
• Complete HO reporting.

Internal Customer Service(15%)

• Support Front Office by providing advice and guidance when preparing credit applications;
• Following up with Front Office upon internal deadlines such as annual renewals, expiry dates of credit ratings and assist where necessary;
• Liaising with Front Office to ensure they provide credit information of customers; and
• Providing other ad hoc administrative support to support the Credit Risk Management team daily operations.

Experience & Qualifications:

• 5 years + of experience in credit risk management within the Australian banking or financial services sector.
• Bachelor's or Master's degree in Finance, Accounting, Business, Economics, or a related field.
• Demonstrated ability to assess, monitor, and manage credit risks across various lending products.
• Familiarity with APRA regulations and Australian financial market practices.

Technical & Analytical Skills:

• Strong financial analysis skills, with the ability to perform detailed credit assessments and build financial models.
• High proficiency in Microsoft Excel for financial modeling and data analysis, as well as Word for business reporting.
• Experience with credit risk tools and frameworks is highly desirable.

Communication & Interpersonal Skills:

• Excellent verbal and written communication skills, with the ability to deliver clear business reports and recommendations to stakeholders at all levels.
• Proven ability to collaborate effectively with internal and external stakeholders, including relationship managers and regulators.

Organisational & Leadership Skills:

• Strong time management and organisational abilities to handle multiple priorities effectively.
• A proactive, problem-solving mindset with the ability to make sound decisions under pressure.
• Experience mentoring or managing junior team members is a plus.

Additional Skills:

• Bilingual proficiency in English (Mandarin skills are advantageous but not required).
• Familiarity with credit risk systems and banking software is preferred.

We feel strongly that a positive workplace culture will help us create a positive experience for each and every member of the CCB family. We have some really great employee benefits to offer:

• Professional development opportunities – we want to help our employees be the best that they can be, so we help them on that journey.
• Excellent work/life balance

We encourage people with a disability to apply for roles at China Construction Bank and to request any support or reasonable adjustments that may be required to fully participate in the recruitment process.

To be considered for this role, interested candidates must provide an up-to-date resume and an application letter addressing the selection criteria.

CCB is one of the largest financial institutions in the world. In August 2010, the Australian Prudential and Regulation Authority (APRA) approved CCB as a foreign authorized deposit taking institution. The establishment of CCB Sydney Branch has enabled CCB to expand its global network and enhance customer service capability to facilitate the economic and trade co-operation between Australia and China.

CCB Sydney Branch conducts wholesale banking business in Australia, including corporate lending and deposit, international settlement, trade finance and AUD clearing.

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