Senior Auditor

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.