Credit Risk Manager

Saxton Leigh; Greater London; In loco; GBP 70.000 - 110.000; Tempo pieno

Descrizione del lavoro

Saxton Leigh represents a multinational corporate banking client seeking a seasoned credit risk professional in Greater London. The role focuses on independent risk monitoring for corporate, FI and sovereign counterparts, ensuring accurate facility parameters and timely covenant reviews.

The candidate will contribute to policy adherence, risk assessments and communications with senior management. Strong English skills are essential; Mandarin is advantageous.

Competenze

• Experience in managing credit risks across corporate, FI and sovereign counterparties.
• Strong understanding of credit risk frameworks and regulatory expectations.
• Excellent written and verbal communication in English; Mandarin a plus.

Mansioni

• Provide independent, high quality credit risk monitoring for counterparties and clients.
• Monitor portfolio health against HO requirements and best practices.
• Coordinate with RM to ensure accurate credit facility parameters in systems.
• Perform stage-wise monitoring of disbursements and compliance with terms.
• Review financial covenants and other monitoring conditions; escalate material risks.

Conoscenze

Credit risk management

Wholesale banking

UK regulatory knowledge

English proficiency

Mandarin (advantage)

Descrizione del lavoro

Our client is multinational Corporate banking company, with branches worldwide.

THE RESPONSIBILITIES:

• To provide independent, high quality credit risk monitoring for corporate, financial institution and sovereign counterparties, issuers and clients.
• To monitor the health of the portfolio both from HO requirements as well as industry best practices perspectives
• To check and coordinate with the RMs that all credit facility parameters are recorded accurately in the Bank’s systems.
• Stage wise monitoring of loan disbursements and associated compliance of terms and conditions/Conditions precedent
• Regular monitoring of financial covenants and other monitoring conditions
• To monitor the timely review of ratings and annual/ ad-hoc reviews and follow up with first line to ensure compliance.
• To ensure that all credit assets in the Branch are classified in line with the Bank’s Asset Classification Policy.
• To ensure that credit limit breaches/KRI’s are reported in accordance with policy.
• To assist the Deputy Head of Risk in ensuring that all credit risks in the Bank are monitored and controlled effectively, and that the Bank establishes and maintains appropriate credit risk management controls, systems, policies and procedures.
• To monitor news and other market information that indicate material changes in the assessment of the Bank’s credit risks, and to inform the Deputy Head of Risk, Senior Management and the relevant Business Areas.
• Perform administrative duties as Secretary of the Branch Credit Committee.
• To provide support, advice and assistance to all Business Areas on all credit-related matters.
• To ensure all Credit related of policies and procedures are updated and fit for purpose.
• 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.
• Ensure they are familiar with the appropriate documented procedures applicable to their work.
• Reporting and escalating material risk events, including conduct risk events and conflicts of interest, or losses to the Deputy Head of Risk.
• Ensuring familiarity 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.
• 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.
• Ad-hoc tasks assigned by the line manager

EXPERIENCE REQUIRED:

• Must be able to work 5 days in the office per week
• Strong experience in managing credit risks of all types and experience of implementing credit risk management frameworks
• A good understanding of a broad range of wholesale banking and treasury products and a strong understanding of the sources of credit risk in such products
• A good understanding of the UK regulatory framework
• Excellent communication skills, both written and verbal, in English. Skills in Mandarin would be an advantage

For further information please contact Caitlynn Fourie