VP, Credit Officer
Responsibilities
As a credit officer, you will manage all credit aspects for your assigned portfolio. Specifically this would include:
- Develop and maintain a deep understanding of the Global Banking Markets product spectrum
- Develop and maintain a deep understanding of the portfolio at the client, industry, and macro level in order to assess risk and craft value added solutions that balance risk
- Independently assess the credit worthiness, including due diligence of prospective borrowers and/or trading counterparties and establish appropriate terms and conditions to mitigate risk;
- Structure transactions and negotiate credit documentation including; credit agreements, amendments, ISDAs, and CSAs;
- Ensuring granularity of the portfolio with specific reference to targets for net country/credit capital, legally binding commitments, total exposure and asset quality.
- Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the client’s credit life cycle;
- Develop, maintain, and manage internal relationships with business partners including Corporate and Investment Bankers, Sales Trading, Risk Management, Syndications, and Legal; Participate in strategic projects to support business goals.
- Providing leadership and management within the team, comprising AVPs and Analysts.
- Ensuring adherence to prevailing credit policy.
Requirements
- Strong credit skills and risk judgement and ability to defend rigorously a fact based point of view.
- Knowledge of EMEA and specific industry sectors, structuring and documentation.
- Strong Corporate Finance perspective and drives deal selection, screening and transaction management process.
- Accomplished negotiator with strong foundation in relative value assessment and risk mitigation techniques.
- Understanding of credit risk sensitivities in the portfolio and risk drivers of the exposures.
- Sound product/technical and process knowledge across lending and derivative (FX, rates, commodities and equities) products.
- Ensuring that the portfolio and credit management process are at all times rated "satisfactory" by internal auditors, the Credit Review group and external Regulators.
- Effective interpersonal and communication skills with ability to resolve issues in a professional and timely manner.
- Acting as an agent of change/improvement, influencing corporate policy/procedure and projecting a positive strategic vision.
Desirable:
- Additional European language skills are an advantage but not essential.
- Extensive credit risk experience at a major international financial institution.
- Experience covering General Industrials, particularly Aerospace Defence and/or Building Materials and Construction is helpful.
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