Corporate Credit Risk Manager

Supporting the Deputy Head of Risk to manage the Branch’s credit portfolio including risk

identification and post approval monitoring for the portfolio.

Key Responsibilities (but not limited to):

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

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.

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 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

Skills, Experience and Qualifications

Educated to degree and/or appropriate professional qualification level.

Strong experience in managing credit risks of all types and experience of

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

Good team skills, in particular the ability to work closely with the Business Areas

A desire to take responsibility, show initiative and make decisions

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