Vice President, Risk Management

China CITIC Bank International Limited•New York, NY

1d•Onsite

About The Position

The Mandatory Reference Checking Scheme (“MRC”) for Hong Kong is a framework to facilitate Authorized Institutions (“AIs”) to bilaterally obtain reference information during their recruitment process for certain positions, such that misconduct information in an individual’s previous employments can be provided to AIs to inform their employment decisions. For information related to MRC Scheme, “Frequently Asked Questions for In Scope Individuals” is published by HKAB/Industry Guidelines (https://www.hkab.org.hk/en/home) or further information will be available upon request, if it is applicable to the position(s) applied. Country of Location: United States of America

Requirements

中信銀行(國際)有限公司中信銀行(國際)有限公司（「信銀國際」）是中信集團境外商業銀行業務主要平台，由中信銀行股份有限公司（「中信銀行」）全資子公司中信國際金融控股有限公司（「中信國金」）持有75% 股份。
中信銀行(國際)網絡遍布大中華，包括香港的22家分行及2家商務理財中心，以及北京、上海、深圳及澳門的網點，另外於紐約、洛杉磯及新加坡設有海外分行。
自1922年起，中信銀行(國際)與員工、客戶及夥伴一同成長，跨越一個世紀。未來將繼續以「敏捷專業化繁為簡」為願景，堅持「文化為本（Culture）、客戶為尊（Customer）、多方聯動（Collaboration）、科技引領（Cyberspace）」4C核心價值，積極踐行「為客戶謀價值，為員工謀幸福，為股東謀效益，為社會盡責任」的企業使命。
有關中信銀行(國際)的進一步資料，請瀏覽www.cncbinternational.com。
China CITIC Bank International Limited China CITIC Bank International Limited ("CNCBI"), a major offshore platform of commercial banking business of the CITIC Group, is 75%-owned by CITIC International Financial Holdings Limited ("CIFH"), which in turn is a wholly-owned subsidiary of China CITIC Bank Corporation Limited ("CNCB").
China CITIC Bank International's footprint in Greater China includes 22 branches and two business banking centres in Hong Kong, as well as presence in Beijing, Shanghai, Shenzhen and Macau, and overseas branches in New York, Los Angeles and Singapore.
Across a century, China CITIC Bank International has grown together with its employees, customers and partners since 1922 and will continue to move towards its vision of "Agile. Professional. Simple." in adherence to the 4C (Culture, Customer, Collaboration, Cyberspace) core values while driving actively its missions to "create value for customers, seek happiness for employees, make profit for shareholders, perform responsibility for society".
More information about China CITIC Bank International can be found on its website at www.cncbinternational.com.

Responsibilities

Support frontline and adhere to anti-money laundering / counter terrorist financing requirement and sanction risks controls in accordance with regulatory standards and CNCBI policies.
Asset Disposal & Recovery, including but not limited to identify potential buyers for troubled loans; market commercial property collateral and OREO assets; engage investors to accelerate asset liquidation; maximize financial recovery on non-performing assets.
Borrower Negotiation & Loan Restructuring, including but not limited to negotiate directly with defaulting commercial borrowers; secure additional collateral and loan protections; partner with legal counsel to modify loan terms; collaborate with agent banks and syndication partners.
Litigation & Foreclosure Management, including but not limited to track progress of ongoing bank lawsuits; provide strategic legal action advice to management; oversee the commercial foreclosure process end-to-end; ensure compliance with regulatory and legal frameworks.
Risk Prevention & Analysis, including but not limited to review existing commercial real estate loan portfolios; check loan credit and legal file quality; identify early-stage default and credit risks; implement proactive interventions to prevent non-performance; report portfolio risk trends to head of risk department; qua.
Assist department head on managing credit risk, including but not limited to, Ensure CA package is accurate and complete before submit it to head of risk department or Credit Committee for credit decision. Cross check supporting/original documents with information presenting in CA, check background and negative news of borrower/sponsor/guarantor/ultimate owner, review projections and stress test, and review credit rating, etc.
Evaluate credit proposals/reviews, analyze financial statements, risk factors and mitigations, prepare recommendations, and discuss with department head to draft credit comments.
Manage loan closing to ensure all approval conditions are satisfied, risk issues brought up by closing lawyer are escalated for proper approval, and all allowed missing documents are reported to credit admin for tracking.
Monitor covenants/ internal control alerts and /or other provisions in loan documentation.
Monitor and analyze the performance of the credit portfolio and pay attention to the early warning signals of credit accounts.
Assist to update branch credit risk related policies and procedures.
Assist and back up for credit risk management related vendor management, include real estate appraisers, law firms, credit rating agents, etc.
Perform other tasks as assigned by the Head of Risk and senior management.