Loan Department Head

• Credit Admin Officer
• Credit Analyst
• Collection and Acquired Asset Management Section Head

• Develop and implement annual operating and business plans aligned with strategic objectives
• Formulate credit risk management strategies (short-term and long-term)
• Create, review, and update credit policies, procedures, and bulletins

• Oversee loan pricing/re-pricing, allowance for credit losses, and loan loss provisioning
• Revise credit policies based on reviews and analytics to manage risk
• Manage credit portfolios including NPLs, ROPA, and restructured loans
• Conduct regular credit and portfolio performance reviews
• Ensure compliance with regulatory portfolio limits (e.g., SBL, concentration risk)

• Identify opportunities to improve risk decision-making through data modeling and analytics
• Participate in the development of credit scoring and risk rating models
• Monitor, calibrate, and enhance ECL models and credit scorecards
• Approve recovery plans for delinquent loans
• Prepare and present credit risk reports to the Risk Committee
• Address audit findings and regulatory compliance issues

• Propose departmental goals, budgets, and performance metrics
• Direct and coordinate team activities for operational effectiveness
• Guide the career growth and performance of team members
• Approve time-off and oversee work schedules of direct reports

• Stay updated on industry trends and economic factors influencing credit risk
• Recommend process improvements and maintain up-to-date manuals
• Actively engage in meetings, training, and development activities
• Perform other tasks as assigned

HRTx