Senior European Credit Risk Manager – Portfolio Oversight

BNY; Dublin; On-site; EUR 90,000 - 130,000; Full time

Job summary

BNY in Dublin is seeking a highly analytical Credit Risk Manager to join our European Credit Risk team and provide independent credit risk oversight for exposures across Europe. Based in Dublin, you will challenge credit proposals and monitor risk indicators to ensure alignment with risk appetite and policy standards.

You will collaborate with business teams, monitor portfolios for emerging risks, and support governance activities while leveraging data analytics and dashboards to improve

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, Business, Risk Management; advanced degree or certification preferred.
• Minimum of five years of experience in credit risk management or related areas.
• Strong understanding of credit risk fundamentals and exposure monitoring.
• Knowledge of risk appetite frameworks and regulatory expectations.
• Ability to analyze complex credit information and communicate recommendations.
• Excellent analytical, organizational, and stakeholder management skills.
• Proficient with Microsoft Office; experience with credit systems or dashboards preferred.
• Experience covering financial institutions preferred.
• Familiarity with European regulatory guidance is preferred.
• Professional certifications such as CFA/FRM/PRM/ACA/ACCA desirable.

Responsibilities

• Provide independent review, effective challenge, and approval recommendations for credit proposals, annual reviews, borrower ratings, exposure limits, policy exceptions, and other credit actions.
• Assess borrower, counterparty, transaction, portfolio, industry, country, collateral, structural, and concentration risks to ensure exposures remain consistent with approved risk appetite, policies, standards, and procedures.
• Partner with first line business teams to evaluate credit requests, identify key risk drivers, challenge assumptions, and ensure recommendations are supported by clear analysis, sound rationale, and complete documentation.
• Monitor assigned portfolios for emerging risks, credit quality trends, limit utilization, excesses, breaches, rating changes, covenant issues, early warning indicators, and other adverse developments.
• Escalate material credit concerns, policy exceptions, limit breaches, control issues, and adverse portfolio trends to senior stakeholders in a timely, transparent, and well-supported manner.
• Support credit governance activities, including portfolio reviews, management reporting, committee materials, regulatory requests, audit inquiries, SOX controls, and issue remediation efforts.
• Contribute to enhancements of credit risk policies, standards, procedures, controls, reporting, and workflow practices to strengthen the control environment and improve operating effectiveness.
• Use data, analytics, automation, and emerging technology to improve risk identification, credit monitoring, decision quality, reporting, and process efficiency.
• Build strong working relationships across Credit Risk, business teams, Credit Services, Legal, Finance, Operations, Technology, and other control functions.

Skills

Credit risk fundamentals

Financial statement analysis

Portfolio monitoring

Regulatory knowledge

Communication skills

Analytical thinking

Stakeholder management

Excel proficiency

Data visualization

Multi-priority management

Education

Bachelor's degree in Finance, Accounting, Economics, Business, Risk Management

Advanced degree or professional certification preferred

Tools

Credit systems

Dashboards

Data visualization

Workflow tools

Job description

BNY in Dublin is seeking a highly analytical Credit Risk Manager to join our European Credit Risk team and provide independent credit risk oversight for exposures across Europe. Based in Dublin, you will challenge credit proposals and monitor risk indicators to ensure alignment with risk appetite and policy standards.

You will collaborate with business teams, monitor portfolios for emerging risks, and support governance activities while leveraging data analytics and dashboards to improve