AVP Credit Manager - Financial Institutions and Non-Bank Financial Institutions - Global Corporate a

Training, mentoring and learning opportunities will be provided as the bank views this as a development role for a credit professional who would like to grow their skills and experience.

Search Criteria:

1. Min. 18-24 months of years of Credit Analysis / Credit Risk experience within a bank, financial services firm or ratings agency
2. Financial Institutions or non-Bank Financial Institutions coverage would be ideal
3. Strong stakeholder management and analytical skills with the ability to work in a dynamic environment
4. Confidence to work in an advisory capacity and be solutions-oriented
5. Desire to learn, grow and develop their skills, experience and career further with this role

Role Purpose:

1. Critical challenge and detailed review of credit submissions from Front Office providing recommendations to Approvers within Credit Department, EMEA or Head Office.
2. A second line of defence role providing credit risk management / oversight of new credit transactions, in designated sectors within the Financial Institutions (FI), NBFI and sovereign credit portfolio across EMEA.
3. Provide the effective credit management of client relationship and exposures within designated sectors within the FI credit portfolio across EMEA.

Responsibilities:

• Exercise strong risk assessment methodology toward new transactions and management of a portfolio of FI clients (including Problem Assets), across a broad variety of sectors, geographies, and asset / product types.
• Working as a trusted partner with Front Office deal teams to ensure delivery to clients whilst maintaining high credit quality. Articulate Credit Department risk perception and appetite for a transaction in line with bank policy and procedures, manage the interaction and communication with front office teams, and attend meetings with clients where necessary.
• Experience and capability to take a complex FI transaction from inception to approval with limited supervision.
• Flexibility to work to tight deadlines under pressure (including ability to work outside of contracted hours from time to time / as workflow demands), to give prompt responses to customers.
• Collaborate with other risk and compliance functions where appropriate to ensure enterprise wide view of risk is considered.
• Assist other members of the team by proactively taking work in a manner which ensures work is fairly distributed, particularly in times of strong workflow / staff absences.
• Develop relationships within the team: seek guidance and advice from colleagues; express well-reasoned arguments and influence senior management; and assist in recruitment and training of more junior staff.
• Willingness / flexibility to be involved in ad hoc projects supporting the strategy of FI credit team and the wider department / institution.
• Draw on expertise and professional knowledge to propose innovative solutions / improvements to status quo.
• Exemplify strong credit management and analytical skills to more junior staff, sharing experience to assist in their professional development, and build expertise within the team.

Experience required:

• Degree level education and / or relevant professional qualifications and a track record of continued learning and development.
• Min. 18-24 months of experience in a credit management role within a major international bank or rating agency, with likely to have seen a broad range of products / transaction types and some experience of varying credit market conditions.
• Strong working knowledge of key products including familiarity with documentation and market trends.
• Some experience and knowledge of Financial Institutions or Non-Bank FI, such as private equity funds / financial sponsors, investment trusts / asset managers, and insurance companies in developed countries.
• High level of IT literacy, strong written and verbal communication skills (supporting preparation of succinct and focused credit papers), and strong interpersonal skills (supporting collaboration / teamwork).
• Experience of problem asset management / work-outs and experience within a Front Office role is desirable.
• Have begun to develop a network of professional relationships within the financial, legal and corporate communities and up to date knowledge of trends in the FI credit markets across EMEA.