The Head of Credit Risk is responsible for the oversight of credit activities across corporate banking, trade finance, loans and other relevant business streams.

Major functions include:

• Analysing, approving, sanctioning, and monitoring the credit quality of corporate credit risks and related risks.
• Analysing, approving, sanctioning, and monitoring the credit quality of Trade Financing and other lending activities.
• Assessment and management of country risks.
• Management of problematic assets.
• Monitoring, reporting and early action.
• Portfolio analysis and management.

Role:

• To support the regional GM to direct the continuous development of the bank’s credit risk framework, risk appetite portfolio monitoring and early warning frameworks in line with global management, client, and regulatory expectations.
• Lead, manage, and develop a small team of credit professionals.
• Exercise delegated credit approval authority and/or make recommendations to senior management on transaction specific files as well as continuously and actively monitoring the portfolio in line with internal policies and applicable regulatory guidelines.
• Make balanced, timely and thoughtful credit decisions within the firm’s risk appetite.
• Responsible as a senior credit counterpart to front line relationship managers and applicable product origination and distribution businesses.
• Proactive solutions driven engagement with front line on deal specific and/or strategic developments through expert guidance, direction, feedback and identification of red flags or breaches of internal guidelines and policies.
• Responsible and accountable for managing and overseeing a portfolio of credit accounts within areas of responsibility. Oversight and responsibility for giving advice and direction to credit managers to ensure high quality credit analysis, including report writing and decision making.

Requirements:

• 10+ years of credit / credit risk experience from within banking. At least some of which must have come from commercial banking.
• Excellent understanding of trade finance and/or structured finance lifecycles and risk metrics.
• Experience of exercising personal delegated authority
• Experience of setting and applying credit risk strategy within a broader business strategy.
• Strong knowledge of corporate credit analysis, accounting, and legal/documentation
• Team management experience preferred.
• Fluency in English, oral and written, is essential.
• Bachelor’s degree in finance, accounting, or related areas.
• Professional accreditations preferred.

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