Experience — Richard Wall

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Experiences

Credit portfolio risk management, monitoring, reporting and controlling for the Corporate and Commercial market segment in AIB.

The market segment accounts for roughly 33% of AIB's loan book, with a high concentration of distressed and troubled loan assets.
Credit Risk Appetite
Provision approval at a portfolio level on the credit portfolio
Credit Policy for business lending, credit management and control, provisioning etc
Member of the various Credit Committees approving credit within the relevant market segment
Subject Matter Expert for Risk on treasury products and in particular their related credit risks.
Primary provider of Risk expertise for regulatory and economic capital matters

Detailed Description

Credit Risk Management for a €33bn portfolio of assets, with a significant focus on distressed asset

Member of the Divisional Risk Management Team, responsible to the Chief Risk and Compliance Officer for the Divisional regulatory risk capital and capital forecasting.
Lead the Division's contribution to both the Irish PCAR and European EBA Stress Testing programs as well as regular internal stress testing activity.
A member of the Divisional Credit Committees and am the unit's Subject Matter Expert on treasury products and their related credit risks.
The Divisional owner of the provisioning process.
Ongoing credit loss forecasting for a significant portfolio of distressed assets.

Working as a Senior Manager within the Treasury Credit unit, I was tasked with primary responsibility for the credit control activities surrounding AIB's treasury dealing rooms in all geographic locations. I led the team responsible for measuring and reporting on the Group's Treasury credit risks. I was also responsible to Board level Credit Policies governing these activities.

Supporting the Bank's Treasury dealing rooms, I analysed credit for all counterparty types active in the capital markets; corporate, sovereign, bank, structured products (ABS, CMBS, RMBS etc) and non-bank financial (including US Securities Houses).

Analysed credit information to determine risks involved in lending money to customers in SME and retail market segments.

Launched career after college into roles covering middle and back office functions for a diverse set of retail and commercial bank lending products, including term and asset finance.

Richard Wall