Chief Credit Officer (Commercial Bank)

1 Jul 2026 Chief Credit Officer (Commercial Bank) at Brilliance Executive Management

• Formulate credit strategy based on target market and products, in alignment with the Group. • Ensure robust credit origination and approval processes within approved delegated mandates, credit policy and risk appetite are in place. • Ensure that measurement and assessment of credit risk is done through appropriate risk quantification and use of ratings and supporting quantitative or qualitative models. • Ensure that stress testing is done and that remedial measures are taken were necessary. • Ensure that legal and operational risk requirements are adhered to by the Bank. • Ensure appropriate policies and structure in place to manage excesses, expired limits and covenants. • Monitor compliance with risk appetite, credit mandates and limits and report breaches and actions to Group Credit and monitor compliance with decisions. • Consistent reporting of credit information and aggregation into Institution and segment views for reporting to Group Credit. • Perform credit stress tests across at the segment and Institution level and present outcomes at credit committee. • Ensure compliance with the Group Credit impairment framework as well as monitor credit impairment levels for adequacy and present the portfolio’s impairment results to Group Credit on a monthly basis. • Ensure structures are in place with appropriate policies to achieve the most optimal recovery processes for the benefit of the Institution in terms of robust and well documented recovery processes. • Ensure sufficient systems and processes exist to report credit risk data and management information including regulatory returns. • Ensure compliance with internal and regulatory requirements, processes, methodologies and standards. • Ensure that appropriate infrastructure to enable credit risk management, including exposure and limit management systems, credit risk reporting and analysis systems and consolidation of exposures, stress testing infrastructure and regulatory data quality are implemented and maintained. • Appraise and prepare Credit proposals including analysis of financial statements, identification, mitigation and management of Risks.