Senior Director/ Head of Credit Analysis & Adjudication
Shinhan Bank Canada
The Senior Director/ Head of Credit Analysis & Adjudication reports directly to the CEO and occasionally to the Board of Directors.
The Senior Director/ Head of Credit Analysis & Adjudication is responsible for managing the retail and commercial lending activities of the Bank as per policies and guidelines and supervise any loan-related legal procedures and asset soundness.
The objective of the Department is to drive asset quality and reduce financial risks of the Bank by providing analytical expertise and providing risk-based expertise on lending activities.
Key Responsibilities & Accountabilities
- Ensure all retail and commercial lending activities including credit approval are in compliance with all sound business practice, credit risks, legislation, regulations, policies and guidelines
- Review and approve residential mortgage loans for which CEO has delegated authority
- Review and recommend credit decisions for CEO, Executive Loan Committee, and Board of Directors for retail and commercial loan cases requiring approval
- Manage and control the retail and commercial lending activities and collection activities of the Bank
- Monitor and control the nature and composition of the Bank's loan portfolio
- Ensure delinquency control systems are in place and perform legal procedures (including litigations) and management of impaired loans
- Supervise and manage the Bank’s operations related to asset soundness to maintain proper loan loss allowances
- Recommend credit risk management planning and procedures
- Recommend changes to the loan policies and guidelines of the Bank
- Provide leadership to the department, ensuring that the team members have the requisite skills, knowledge, and competencies to deliver an effective department function of credit analysis and adjudication
- Foster a cohesive team, focused on customer service, collaboration and promote a positive work environment
- Develop and implement procedures where issues are identified, risk assessed and tracked to remediation with detailed action plans, and timelines for successful resolution
- Comply with or operate in accordance with applicable laws, regulations, and prescribed practices relating to its banking business activities in all jurisdictions in which the Bank operates
- Develop and implement procedures where issues are identified, risk assessed and tracked to remediation with detailed action plans, and timelines for successful resolution
- Ensure a sound compliance culture and mindset – through effective training and communication to ensure employee engagement and awareness.
Job Requirements
Education Requirements
Bachelor’s degree in accounting, finance or other related field required; MBA, is considered an asset
Work Experience Requirements
15+ years of senior experience in credit-related position in the financial service industry, ideally leading an enterprise credit and lending function
- Experience with industry best practices and professional standards in Canada
- Proven ability to implement strategies for effecting change, enterprise thinking, and the ability to effective gain buy-in to large scale enterprise implementation of programs
- Superior interpersonal and leadership skills, oral and written communication and ability to anticipate and guide the impact of legislative/regulatory changes on the Bank
People Management Experience Requirements
At least 5 year(s)
Knowledge & Skills
- Planning and Organizing
- Risk, compliance and audit mindset
- Canadian laws and regulations
- Local market knowledge
- Knowledge of Policy Development processes
- Specialized subject matter expertise and knowledge
- Adaptability & Flexibility
- Learning mindset (Continuous learning)
- Collaboration & Teamwork
- Effective interactive communication
- Initiative
- Innovativeness
- Execution skills
- Presentation skills
- Conceptual thinking
- Conflict Management
- Result orientation
- Strategic orientation
- Developing others
- Impact and influence
- Team leadership
- Organizational awareness
- Relationship Building
- MS Office, ERP Software, Job related software
Vacancy posted 5 days ago
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