Man Cheung Richard Leung

· Monitor, analyze and review portfolio with potential high-risk indicators
· Perform portfolio review to identify potential credit risks, alert to BU with identified risk and recommend preventive measures/ risk mitigation
· Conduct post credit- approval review to ensure they are complied with credit policies and guidelines
· Identify and provide early-alerts on potential problematic credits accounts and recommend appropriate actions plan to mitigate bank’s risk and loss
· Assist BU in resolving problematic accounts including formulation and implementation of loan recovery or exit plan

• Work closely with dealers to conduct risk monitoring, control and compliance risk assessments
• Formulate and review internal policy and control measures
• Prepare management report on dealer performance for senior management review
• Prepare MIS report for internal and external reporting
• Coordinate and prepare and review deliverable in response to internal or external audit

• Assist in designing & implementing risk management framework to ensure regulatory & operational risks are identified, properly assessed, mitigated and recorded
• Assist in developing risk mitigating measures, controls and adequate remediation plans
• Coordinate with business partners & compliance colleagues across bank to assess risks of new technologies adoption
• Assist in devising policies & procedures to ensure compliance with regulations and alignment with industry best practice
• Create presentation deck to raise awareness & update key stakeholders on latest Data & Digital related regulations, circulars, guidelines & news
• Prepare periodic management reporting

• Establish ongoing validation and formulation of overall mortgage credit strategy and policies and procedures pertaining to entire risk management credit cycle to assure strong governance and regulatory compliance
• Conduct data analysis using SAS to senior management for policies implementation and review
• Prepare and timely submit regulatory and internal reports
• Perform self-assessment, quality assurance to ensure all mortgage credit processes are in compliance with all local and U.S. Laws and regulatory guidelines and Global policies and procedures
• Collaborate with other functions such as Business, Credit operations, Finance, Technology etc. to drive various business initiatives and proper execution on risk control and portfolio actions

• Coordinate periodic audit review, including HKMA on site visit and internal audit
• Manage external vendor management process, including Credit Bureau, to meet service level agreement and comply with third management policies
• Perform regular quality assurance assessment and inspection on Risk Management Department and Credit operations to ensure ongoing compliance with regulatory requirement and internal policies and coordinate with key stakeholders to conduct root cause analysis and ensure proper rectification in place for any deficiency found
• Coordinate HKMA regulatory reporting submission
• Coordinate annual review process to ensure timely renewal of policies and procedures
• Organize various risk governance committee meeting deck submission to provide key market update and credit performance of retail products to senior management
• Preform gap analysis and work closely with other key stakeholders(e.g Compliance, Business and Credit operations) to ensure proper implementation and compliance with new Citigroup policies, standards and procedures and also regulatory requirement
• Coordinate various critical department wide project

• Same duty as Contract Credit Risk Officer
• Assist in policy formulation and design policy implementation details
• Ensure policies/ credit criteria and parameters are accurately and effectively implemented into credit decision system
• Develop and execute test plans to ensure accurate development on system changes inspect to new policy implementation and business initiatives
• Work closely with different stakeholders and work on various product development project
• Identify and design credit risk and portfolio MIS reports to ensure sound risk control and comply with internal & external regulatory requirement.

• Perform quantitative analysis or monitoring on customer and account level to identify credit risk for acquisition of unsecured products
• Established summary and statistical reports for acquisition and portfolio of unsecured products
• Established regular MIS reports to ensure sound risk control and smooth operational process and meet service level requirements
• Assist to review and develop existing MIS reporting process