Vice President, Credit Risk Officer

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Role Description:

As part of Global Banking & Markets, GCIB Credit manages and delivers the credit relationship for wholesale clients in accordance with the company’s growth strategy, risk appetite and underwriting standards. While we are an independent function, we work closely with various lines of business, relationship managers, product specialists and Risk.

Global Banking & Markets includes corporate banking, investment banking and sales & trading. The group provides services to large corporations, government entities and institutional investors. These services include mergers and acquisition advice, equity and debt capital raising, corporate lending, sales and trading in fixed income, commodities, currency and equities, risk management, research, and liquidity and payments management.

Responsibilities:

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 to assess risk and craft value added solutions that balance risk.
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, derivative documentation.
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 Associates and Analysts.
What we are looking for:

Credit skills and risk judgement/Knowledge of EMEA market and specific industry sectors, structuring and documentation.
Corporate Finance perspective and drives deal selection, screening and transaction management process.
Accomplished negotiator with good 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.
Acting as an agent of change/improvement, influencing corporate policy/procedure and projecting a positive strategic vision.
Commercial mindset to support value added discussions with the clients and Relationship Managers.
Extensive credit risk experience at a major international financial institution, analysing, assessing companies in different sectors and structuring transactions.
Skills that will help:

Fluency in use of all Microsoft Office applications, particularly Excel.
Effective interpersonal and communication skills with ability to resolve issues in a professional and timely manner working in a team.
Strong organizational skills with ability to prioritize and work under pressure to ensure to meet deadlines.
Fluency in English. Additionally, German language skills would be beneficial.

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