Senior Credit Manager
- This is an opportunity for a Senior Credit Manager to take on an exciting new career challenge and build a wide network of stakeholders of varying seniority
- You will act as an ambassador for the function and raise credit skills and awareness in the business
- You'll hold direct responsibility for a Western European focussed Large Corporate portfolio
What you'll do
You'll structure credit solutions to meet customers' needs within the bank's risk appetite, while providing assurance of consistent and disciplined credit underwriting, with key risks identified.
As you develop into your role, you'll be driving, coaching, and mentoring colleagues and less experienced credit managers, while expanding your knowledge into the financial institution's sector covering a full suite of investment banking products.
It'll also be your responsibility to:
- Undertake quality risk assessments across a range of lending requests from customers, making balanced underwriting decisions
- Proactively identify appropriate lending capacity within the bank's risk appetite, taking account of counterparty and sector trends
- Clearly articulate lending decisions that include only relevant terms and conditions
- Make sure the needs of, and impact upon the customer are considered through all aspects of the risk assessment process allowing fair outcomes
- Work collaboratively to make sure the team delivers responses within agreed deadlines
- Contribute to the ICAAP and ILAAP process, and to the PD, LGD, and stress testing model development as an expert user, including model performance reviews, regulatory inspections, and remediations if applicable
The skills you'll need
We're looking for an experienced lender with sound analytical and technical credit skills, an understanding of LMA-style finance documentation, and Master Agreements for derivatives, financial markets and investment banking products, paired with strong commercial awareness.
You'll ideally be familiar with Western European large corporate credit and structured finance, as well as leveraged finance and project finance. Restructuring and problem debt management experience will also be beneficial, and you'll hold individual delegated credit approval.
We'll also expect you to have:
- The ability to shape complex deals to create fair customer outcomes and protect the bank's position
- Extensive credit risk management experience in a banking environment
- Sound knowledge of the large mid-corporate and commercial segment, sectors, and lending as well as derivative products
- A strong understanding of credit policy, economic, legal, regulatory, and where applicable specialist sector issues, along with underwriting processes and systems
