Senior Credit Approval

Responsibilities:

• Review, analyze, and independently approve or decline credit proposals within delegated authority.
• Ensure credit decisions are based on sound risk assessment, financial analysis, and compliance with internal policies and regulatory standards.
• Provide objective and unbiased recommendations on complex credit transactions, maintaining independence from business origination units.
• Strengthen the governance framework for credit approvals to enhance transparency and accountability.
• Collaborate with business, risk, and compliance units while safeguarding the independence of credit decision-making.
• Monitor portfolio quality, identify early warning signals, and escalate concerns when necessary.
• Contribute to the development and continuous improvement of credit policies, risk assessment tools, and approval processes.
• Mentor and guide junior credit approvers to build a strong second line of defense.

Qualifications:

• Bachelor or Master's Degree in Finance, Accounting, Economics, Business Administration or related fields.
• Over 15 years of experience in Risk Management, possess a strong mix of analytical, industry, and regulatory knowledge.
• Hand-on experience assessing borrowers across sectors.
• Familiar with industry-specific risks.
• Experience in structuring loans, reviewing financial statements and analyzing collateral.
• Ability to interpret financial statements, assess cash flow and determine dept capacity.
• Knowledge of local and international credit regulations.
• Strong credit judgement with ability to balance risk and business objectives.
• Knowledge of industry and economic update and banking products.
• Accountability for credit decisions and impacts on portfolio quality.
• Good command of Thai and English languages.
• Skilled in Microsoft Office; Word, Excel and Power Point.

What We Offer:

At Bank of China (Thai), we are dedicated to creating a supportive and rewarding work environment. We offer competitive salaries and a comprehensive range of benefits to ensure the well-being and satisfaction of our employees:

• Health and Life Insurance: Coverage includes Group Life Insurance, OPD, Dental Benefits, General Hospital Services.
• Financial Security: Provident Fund, Social Security Fund, and Retirement Benefits.
• Wellness Programs: Annual physical checkups
• Special Financial Allowances: Support for marriage, birthday celebrations and sick visits.
• Leave Benefits: Annual Leave, Business Leave, Sick Leave, Maternity Leave, and Ordination Leave.
• Work-Life Balance: A 5-day work week.

"Please be informed that bank conducts criminal background checks for all positions during hiring process."