ED/MD, Credit Approval - Real Estate & TMT, Regional Bank

About the Role
My client is seeking an accomplished senior credit professional to join our Credit Risk Management function as an ED/MD, Credit Approval (Real Estate & TMT).
This individual will serve as one of the most senior approval authorities within the organization, providing independent oversight and approval for complex corporate and institutional banking transactions across the Real Estate and Technology, Media & Telecommunications (TMT) sectors.

The role requires a highly commercial mindset, balanced with strong credit judgment, and the ability to influence senior stakeholders across Corporate Banking, Investment Banking, Capital Markets, Structured Finance, and Executive Management.

Key Responsibilities
Credit Leadership & Approval Authority

• Hold delegated credit authority for large and complex transactions across Real Estate and TMT sectors.
• Review, challenge and approve credit proposals covering:

- Corporate lending
- Acquisition finance
- Structured finance
- Syndicated transactions
- Leveraged and event-driven financing
- Project and infrastructure financing

• Provide independent credit assessment on significant single-name and portfolio exposures.
• Ensure transactions are aligned with the Bank's risk appetite, strategic objectives and regulatory requirements.

Sector Coverage Leadership

• Serve as the senior risk representative for Real Estate and TMT sectors across the region.
• Develop and maintain sector risk appetite frameworks, underwriting standards and portfolio strategies.
• Provide forward-looking views on market trends, industry developments and emerging credit risks.
• Act as a key advisor to executive management regarding sector outlook and risk positioning.

Portfolio Oversight

• Oversee a substantial portfolio of corporate and institutional relationships across Greater China and Asia Pacific.
• Drive portfolio reviews and concentration management initiatives.
• Identify early warning signals and emerging stress within the portfolio.
• Lead discussions on watchlist names, restructuring situations and remedial management strategies.

Strategic Business Partnership

• Partner closely with senior bankers and product heads to support sustainable business growth.
• Provide constructive challenge on transaction structures, risk-adjusted returns, sponsor quality and downside protection.
• Influence transaction structuring and risk mitigation solutions from origination through execution.
• Balance prudent risk management with commercial objectives.

Governance & Regulatory Engagement

• Chair or participate in senior credit committees and governance forums.
• Ensure adherence to internal credit policies, risk frameworks and regulatory expectations.
• Engage with regulators, internal audit and external stakeholders on matters relating to credit governance and portfolio management.
• Lead initiatives to enhance risk management standards and approval processes.

Leadership & Talent Development

• Potentially Lead, mentor and develop a team of senior credit professionals.
• Foster a culture of sound risk judgment, accountability and collaboration.
• Drive succession planning and talent development within the broader credit organization.
• Act as a role model for risk excellence and leadership.