Credit Manager- Large Corporates
Purpose of the role: Why does this job / role exist, what value does it add? ·
Pro-active management of a distinct portfolio of counterparts (country or sector) to minimise credit losses · Front-to-end credit risk management including counterparty financial analysis including modelling, scenario analysis and stress-testing, determination of internal risk rating, and regular monitoring of counterparty performance to identify any emerging credit risk. · Set risk appetite on a single counterparty basis and contribute to the setting of risk appetite for sector · Build and maintain strong relationships with front office. · Act as an enabler with business partners, seeking to find solutions to proposals. Demonstrate sound credit judgment in analysis and approval / decline of new transactions (including cash lending, trade finance and derivatives), reflecting deep understanding of pertinent issues and risk drivers. · Actively participate and help implementing the change agenda in Credit Risk
Key Objectives: What are the key outcomes and what does the jobholder have to produce (objectives)?
Business Delivery and Financial Performance Manage the credit risk profile for a portfolio of clients and act on negative trends at an early stage. Key objectives are to: · Undertake the financial analysis including modelling and sensitivity analysis for a distinct portfolio of more complex counterparties · Ensure timely and productive kick-off meetings are held with right shored Credit Analysts. Review financial analysis provided by Credit Analysts (both onshore and in right shored locations); providing constructive feedback as appropriate to ensure required standards are met · Support Credit Analysts and Credit Managers via sharing of information / portfolio updates · Lead client due diligence meetings · Undertake sector analysis on a regular basis where within the remit. This will require following a sector closely to identify drivers, success factors, winners and losers · Pro-actively manage and monitor the portfolio by reviewing customer MI, Early Warning Indicators (EWIs) and other external information to identify any emerging credit trends · Actively manage existing concentration risk (Single Name Concentration excesses) and mitigate inherent risks ·
Strategic Progress Play a key role in developing future areas of focus regarding appetite to risk, management of client portfolios and embedding new ways of working within Credit Risk. Key objectives are to: · Build / foster relationships with external parties (e.g. counterparts at other banks, rating agencies, etc) · For country liaison officers only: Build / foster deep working relationships with key regional contacts and actively contribute to RCC and related discussions the relevant country/ region. Act as key contact point within Credit for risk-related issues being raised and help to resolve accordingly. Act as coordinator for country -specific credit projects / exercises as required. · Clearly articulate and express risk appetite for single counterparties and sector / country where within the remit · Active engagement and contribution to Credit Risk's change agenda · Have an active dialogue with regulators to identify respective sectoral / regional trends and risks · To understand and, if appropriate, influence the MIB strategy and business model and identify, challenge and resolve with management areas which conflict with the risk appetite of the division.
Risk, Control and Efficiency Undertake activity to develop a robust risk and control culture, as well as take an active role in policy development. Key objectives are to: · Write high quality, credit applications on more complex files in line with the annual review schedule and related to individual transactions and new clients; oversee completion of high quality credit applications by more junior team members as appropriate. · Demonstrate sound assessment of counterparty risk through the effective use of the respective credit grading model · Identify deteriorating credits and pro-actively manage such names as part of the Watchlist process in a timely manner · Advise Front Office on structuring lending / derivative transactions from a credit risk perspective · Exercise sound credit judgement, prepare credit proposals and recommend them for approval or sanctioning under own Delegated Authority and take part in oversight procedures for team members · Contribute to the development of new policies, follow existing policies and identify policy exceptions. · CEEMEA - need to add standardised section on regulatory adherence. · Line of Defence: - Actively consider the inherent, material risks of the business/organisation. They should analyse the risk profile and seek confirmation that the risks are being appropriately identified, assessed and mitigated to the desired level (Risk Appetite). - Establish and deploy robust risk and control frameworks which meet the strategic needs of the Group, including communication, training and awareness. - Provide expert support and advice to the business on risk management. This includes interpreting and complying with the risk policy standards and risk management framework. - Conduct suitable assurance to ensure 1st line compliance with policies/responsibilities. - Provide senior executive with relevant management information and reports and escalate concerns where appropriate. · Conduct Risk: To be accountable for ensuring you understand, uphold and promote the Conduct Risk standard pillars: - Employee Conduct - Corporate Conduct - Market Conduct - Conduct Towards our Customers
Customer Expectations Have a deep understanding of local markets, sectors and clients.
www.badenochandclark.com - Let's find the career that connects with your life.Badenoch Clark is acting as an Employment Business in relation to this vacancy. Badenoch Clark is an Equal Opportunity Employer and a registered Disability Symbol User.
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