Credit Risk Oversight Officer – Asset Finance

An international bank is expanding its Risk function with a newly created position focused on Credit Risk 2LoD Oversight. Reporting into the Chief Risk Officer, this role offers an opportunity to play a key part in developing and strengthening the bank’s credit risk oversight across asset finance and trade finance portfolios. You’ll be joining a small, experienced Risk team responsible for independent oversight of the credit function. This role is ideal for someone who understands credit risk in the asset finance space, enjoys working across business lines, and wants to add value in a growing organisation

Key Responsibilities:

• Assess credit applications received from Front Office (1LoD), analysing financial statements and relevant credit data.
• Evaluate sector, environmental, and business risks associated with credit requests.
• Ensure credit standards align with internal policies and risk appetite.
• Review transactions for compliance with approvals and documentation requirements.
• Partner with key stakeholders to review new structures, policy exceptions, and control solutions.
• Support 1LoD with risk identification, analysis, and presentation.
• Monitor customer covenants and proactively track early warning signals.
• Maintain and update watchlists, supporting IFRS 9 provision calculations and reporting.
• Prepare monthly Credit Committee reports and recommendations.
• Attend Credit Committee meetings, drafting accurate minutes and following up on actions.
• Collaborate with other risk disciplines to ensure an enterprise-wide view of counterparty and portfolio risk.
• Uphold Consumer Duty standards to ensure fairness and value for customers.

Skills & Experience:

• Strong experience in Credit Risk and/or Trade Finance Risk (experience in emerging markets advantageous).
• Proven credit underwriting and risk analysis skills.
• Solid understanding of traditional trade instruments and structured finance transactions.
• Ability to work effectively in a fast-paced, multi-tasking environment.
• Excellent stakeholder management and communication skills.
• Strong attention to detail, organisation, and Excel proficiency.
• Experience reviewing or negotiating legal documentation is beneficial.
• Self-starter with a proactive, “can-do” mindset.