Responsible for proactively managing the credit risk & risk/return benefit and act as an investment / asset manager of a portfolio of Global Banking (GB) accounts in close co-ordination with the originating deal team.
Requirements
- Credit Risk: Prepare renewal credit application memos and discuss & get it approved from Credit, quarterly borrower performance review and updates, covenant monitoring, site visits, engagement with Board/Committee for DCCO extension, highlight early alert & horizon risks, amongst others.
- Risk/Return: Ensuring Bank’s RoRWA & RoTE are managed above the given threshold by managing the client, deal & portfolio level RoRWA, recommending assets which can be sold/churned or de-risked (through insurance, FRP), along with Loan Syndications engaging with stakeholders/other investors/lenders for marketing these assets.
- Key Responsibilities: The role holder will be responsible for proactively managing the credit risk (monitoring and analysis) of a complex portfolio of Global Banking (GB) accounts in close co-ordination with the originating deal team
- Strategy: Proactive, comprehensive and timely credit analysis through BCA renewals, quarterly performance reporting, waiver and amendment requests and documentation of credit events;
- Business: Analyse Risk/Return analysis and optimise profits (own portfolio as well as Directs (as applicable)). Recommendations to be based on forward looking risks (driven by CG downgrades and hence incremental Credit losses, stress tests,etc);
- Processes: Annual review of the facilities (CAM memo) comprising of business risk, client risk, industry analysis, management analysis, financial analysis, peer comparison, industry benchmark, etc.;
- People & Talent: Credit analysis skills, Financial analysis skills, Able to analyse excel-based financial models;
- Risk Management: Evaluation and understanding of risks associated with Financing Solutions/Leverage and Acquisition Finance/Project and Export Finance/Structured Finance assets, structural, contractual and external risks;
- Governance: Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role;
- Regulatory and Business Conduct: Display exemplary conduct and live by the Group’s Values and Code of Conduct.
- Other Responsibilities: Embed Here for good and Group’s brand and values in PAM Team globally.;
Benefits
- Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
- Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
- Flexible working options based around home and office locations, with flexible working patterns.
- Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
- A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
