Assistant Vice President, Credit - Internal Audit

About the role

This role combines internal audit assurance and credit review responsibilities. As Regional Credit Auditor/Reviewer, you will bring an efficient and disciplined approach to the effectiveness of risk management, control and governance processes in the bank's credit space. You will travel and work closely with internal audit counterparts on a regional scale to conduct audit visits, and work with stakeholders to evaluate internal controls and recommend improvements to credit processes.

Key responsibilities

• Lead and/or execute risk-based audits and credit reviews independently, covering planning, control evaluation and testing, borrower sampling, credit application review, reporting and issue closure, using IADAP methodologies and sound credit judgement.
• Assess the design and operating effectiveness of key controls in credit risk management and evaluate the quality of credit applications, risk assessment, covenanting and ongoing monitoring.
• Evaluate the bank's credit assets (Corporate, Banks, Non-Bank Financial Institutions, Structured Real Estate, Project and Fund Finances, LBOs), identify control weaknesses and emerging risks, and recommend improvements to management.
• Apply data analytics to support audit assessments of the internal control environment and the credit portfolio.
• Build working relationships with business unit management to support annual risk assessment and continuous monitoring, and cooperate with the group company audit team, some of which hold consumer retail credit portfolios.
• Take part in departmental strategic initiatives and projects as they arise.

Required profile

• Bachelor's degree in Finance, Accountancy, Banking, Business Studies, Administration or Management (preferred).
• At least 7-10 years of experience in banking, including credit risk analysis, credit approval, credit risk management, credit review or credit audit, across end-to-end credit processes.
• Professional certification such as CIA, CPA or CA preferred.
• Proficiency in spoken and written English.

Required skills

• Demonstrated experience with a risk-based audit approach and established audit methodology, and strong ability to draft clear, defensible audit reports and recommendations.
• Strong background in credit risk analysis, financial analysis and projections, and credit rating models for large corporate customers.
• Advantageous: experience in structured real estate, project and fund finance, securitization, LBOs, banks and non-banks, natural resources, retail credit, and data analytics for audit and portfolio assessment.
• Good stakeholder management, teamwork and independence, with a meticulous, disciplined and self-motivated approach.