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Risk Management (ECL)

Job description

  • Set and monitor the total risk limit
  • Prepare and operate Risk Management Commitee
  • Respond to the requirements from NBC and Shinhan Bank Korea
  • Calculate and post IFRS9 ECL (Expected Credit Los)
  • Monitor and analyze Net Worth and Solvency ratio
  • Estimate risk components (PDs, LGDs, CF) for calculating ECL
  • Operate and manage credit evaluation models
  • Calculate and monitor Liquidity Coverage Ratio (LCR)
  • Monitor and analyze 3month interest rate gap ratio
  • Implement the stress test of interest and liquidity risk
  • Incident reporting and loss data collection
  • Prepare and submit operation risk reports to Shinhan Bank Korea
  • Monitor the run-out rate of F/X limit
  • Monitor the net open position amount
  • Providing daily CBC alert report to related persons and departments
  • Track feedback from related persons to ensure proper actions have been taken to prevent refinancing
  • Maintaining records of CBC alert reports
  • Check whether loans comply with loan approval authority Affirm compliance with laws and regulations related to loans Verify customers' repayment capacity
  • Review other contents deemed necessary by the head of Loan Review Department
  • Conducting annual review on existing loans
  • Re-assess customers' repayment capacity, repayment history, assets and collaterals
  • Identify risk factors based no monitoring grade, total loan amount, industry type, etc.
  • Notifying related department and/or person to ensure proper and immediate actions are taken complete and submit the annual loan review assessment report
  • According to the results of loan review, the head of risk management department may request branch managers and heads of loan assessment department to take necessary measures to prevent insolvency in advance.
  • If it is determined that an inspection is required as a result of loan review, the head of the risk management department may request for an inspection to the audit department.
  • Report the loan review results to the CEO monthly

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