Our client is multinational Corporate banking company, with over 13,000 branches worldwide.
To provide high quality and independent credit risk assessments and recommendations for corporate, financial institution and sovereign counterparties, issuers and clients, particularly in the area of trade finance.
To provide comprehensive and accurate credit analysis of country risks
To provide technical support, advice and assistance to all Business Areas on all credit related matters
To provide advice in respect of the structuring of prospective transactions and guidance in respect of the completion of credit proposals to ensure all risks are identified in an efficient manner
To maintain a keen interest and awareness of market trends in international business including key trends and events in the UK and international credit markets
To assist with arranging of Credit Committee meetings and approvals and the presentation of credit proposals to Head Office
To assist in establishing and maintaining credit risk management controls, systems and procedures that meet the requirements of the Branch and external auditors
To monitor adherence to approved credit limits and to ensure that the Deputy Head of Risk (in charge of credit risk) is informed of all material excesses on the same working day as identified
To generate the credit MI related to the client, industry or country risk factor
To ensure that all credit risks are properly monitored and controlled and to ensure that the credit limits are all formally reviewed as per the Branch’s internal policies
To minimise the time taken between problem recognition and cash recovery; to undertake regular monitoring and review of ‘problem loans’
To liaise with the Head Office regarding credit risk issues and to assist with Head Office reporting
To assist with the review and development of policies and procedures
Read and understand the Risk Management & Compliance framework (and the policies referenced therein) that are applicable to their work and ensure that their work is carried out in full accordance with those policies and procedures and with a high degree of professionalism and integrity. Particular attention should be paid to the requirements on individual members of staff laid out in the Compliance Manual, Conduct Risk Policy, Conflicts Management Policy, the Anti-Bribery & Corruption Policy and the UK Staff Handbook.
Responsibility for the provision of policy, tools, techniques and support to enable conduct and compliance risk to be managed in the first line. Conduct monitoring and reporting to assess the design and effectiveness of first line controls and ensure consistency of definitions and measurement of conduct risk. To ensure policy and processes meet legal and regulatory requirements, identify opportunities to improve the framework and collaborate with the First Line of Defence to implement and embed changes.
Ensure they are familiar with the appropriate documented procedures applicable to their work, including End-to-End Process Maps.
Reporting and escalating material risk events, including conduct risk events and conflicts of interest, or losses to the Deputy Head of Risk.
Ensuring familiar with the department’s detailed BCM plans.
Ensuring transactions arranged are in accordance with the Tax Risk Policy and are documented in accordance with the Legal Policy and any applicable departmental procedures.
Ensuring managing the use of IT systems and of data, particularly personal data, in accordance with the IT Security Policy and the Data Protection Policy and any applicable departmental procedures.
Ensuring the timely completion of training required by the Bank.
Strong experience in analysing credit risks of all types, with particular emphasis on large corporate clients in UK / Western European markets
Excellent communication skills, both written and verbal, in English and Mandarin (desirable but not essential)
A sound understanding of a broad range of wholesale lending products
A basic understanding of market risks and operational risks would be an advantage
Good team skills, in particular the ability to work closely with the business areas while retaining independence
For further information please contact Natalie Antat