The Higher Brain Living® (HBL) Technique is a revolutionary gentle-touch process. During an HBL session, a Certified Higher Brain Living® Facilitator activates specific points in your body in a specific sequence with specific timing, creating a surge of energy from your primal fear-based lower brain into your pre-frontal cortex, the seat of the Higher Brain, where your potential lives. The Higher Brain Living® system connects you to your potential, your purpose and helps guide you forward into a Fearlessly Authentic Life. Based on the most progressive knowledge of 21st century neuroscience with roots in ancient wisdom that dates back to yogi mystics 5,000 ago, Higher Brain Living® is transformational, proven and repeatable. The Higher Brain Living® Program creates a clear channel and powerful energy surge to the Higher Brain that opens a gateway to true, lasting, limitless and expansive higher living like no other personal growth modality on the planet. Want to become trained and certified as a Higher Brain Living® Facilitator? Click here: https://higherbrainliving.com/training

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