At a Glance
- Tasks: Lead credit decision-making and manage risk in complex finance deals.
- Company: Join Standard Chartered Bank, a diverse and inclusive employer.
- Benefits: Competitive salary, flexible working, and extensive wellbeing support.
- Other info: Be part of a continuous learning culture with growth opportunities.
- Why this job: Make a real impact in finance while promoting a strong risk culture.
- Qualifications: Experience in credit risk and structured finance is essential.
The predicted salary is between 60000 - 80000 £ per year.
This job is with Standard Chartered Bank, an inclusive employer and a member of myGwork – the largest global platform for the LGBTQ+ business community.
Key Responsibilities
- Senior Credit Manager responsible for independent credit decisioning, portfolio risk management, and transaction structuring across complex structured finance deals.
- Perform Second Line of Defence oversight for Credit Risk, providing effective challenge to First Line risk management activities.
- Oversee and support the Group's Enterprise Risk Management Framework (ERMF) for Credit Risk, ensuring clear ownership, understanding, and accountability across First and Second Lines.
- Conduct robust reviews of ERMF effectiveness for Credit Risk, escalating material issues or gaps to senior management and relevant Board committees.
- Monitor adherence to the Group Risk Appetite Framework for Credit Risk, using risk reporting to identify and escalate breaches or emerging concerns.
- Ensure credit portfolio quality remains within approved risk appetite and underwriting standards, with timely and accurate reporting.
- Promote a strong risk culture and execute Process Universe responsibilities in line with the ERMF.
- Make final credit decisions on wholesale lending within delegated authority, ensuring high-quality credit analysis and complete, accurate documentation.
- Proactively identify, assess, and escalate emerging risk issues as appropriate.
Qualifications
- Extensive experience as a Credit Officer, in banking/financial services, including recent tenure in a credit approval or credit risk capacity.
- Strong sector expertise across Project Finance, Leveraged Finance, and Real Estate, with additional exposure to Shipping, Aviation, Data Centres, and other structured lending sectors.
- Proven track record of assessing and approving complex credit transactions, particularly within project finance and leveraged finance environments.
- Experience operating within established international financial institutions, with a strong understanding of global credit standards and frameworks.
- Deep understanding of structured finance, risk assessment, and credit underwriting, with the ability to evaluate complex deal structures and mitigate risk effectively.
- Strong collaboration skills, working closely with front office, risk, and senior stakeholders to support sound credit decision-making.
About Standard Chartered
We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you.
What we offer
- In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.
- Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
- Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
- Flexible working options based around home and office locations, with flexible working patterns.
- Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits.
- A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
- Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.
Senior Credit Manager, Specialised Finance Risk employer: Standard Chartered Bank
Standard Chartered Bank is an exceptional employer that champions inclusivity and diversity, making it a great place for professionals seeking meaningful careers in finance. With a strong commitment to employee wellbeing, competitive benefits, and a culture that promotes continuous learning and collaboration, employees are empowered to thrive both personally and professionally. Located in a dynamic international environment, the bank offers unique opportunities to engage with complex financial transactions while contributing to impactful business growth.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Credit Manager, Specialised Finance Risk
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Standard Chartered Bank. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Senior Credit Manager, Specialised Finance Risk
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Standard Chartered Bank.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Standard Chartered Bank's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Standard Chartered Bank
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Standard Chartered Bank.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Standard Chartered Bank will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Standard Chartered Bank employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
