About the role
Responsibilities -
Audit Execution & Credit Quality Review
· Lead end-to-end credit reviews for Mid-Market, Large Corporate, and Institutional client portfolios.
· Critique financial statement analyses, cash flow projections, and debt-service capabilities of borrowers.
· Evaluate complex private bank structures, including syndications, structured finance, and working capital limits.
· Verify collateral valuation veracity, charge creation legality, and financial covenant adherence.
Risk Monitoring & Analytics Integration
· Audit the accuracy of internal borrower risk ratings and Early Warning System (EWS) triggers.
· Assess exposure aggregation against group borrower limits and sector concentration caps.
· Evaluate the bank's provisioning adequacy, Special Mention Account (SMA) classification, and NPL management.
· Partner with the CoE team to leverage data analytics (SQL/Excel) for sample selection and exception tracking.
Stakeholder & Regulatory Management
· Present audit findings directly to Business Unit Heads, Credit Approvers, and Relationship Directors.
· Formulate sharp, fact-based audit reports highlighting structural gaps and underlying root causes.
· Secure management commitments on actionable, time-bound remediation plans.
· Ensure absolute alignment with central bank guidelines for large exposures and asset classification.
KPIs -
· Audit Execution: Delivery of scheduled wholesale audits within targeted budget hours.
· Observation Acceptance: Percentage of material risk observations validated and accepted by business units.
· Regulatory Compliance:Zero major credit-underwriting or classification gaps flagged by central bank inspectors.
· Audit Execution: Delivery of scheduled wholesale audits within targeted budget hours.
· Observation Acceptance: Percentage of material risk observations validated and accepted by business units.
· Regulatory Compliance:Zero major credit-underwriting or classification gaps flagged by central bank inspectors.
· Remediation Tracking: Timely verification and closure of open audit issues.
· Credit Analysis: Mastery of corporate balance sheet analysis, cash flow modeling, and leverage structures.
· Banking Products: Deep understanding of Trade Finance, Fund/Non-Fund based limits, and Treasury products.
· Regulations: Strong working knowledge of local central bank guidelines for wholesale banking and Basel III/IV.
· Tools: Proficiency with core banking platforms and data-driven auditing techniques.
· High professional skepticism.
· Executive presence to challenge senior credit approvers.
· Concise, strategic writing and articulation skills.