Credit Risk Officer
- Develop and maintain a deep understanding of the Global Banking & Markets product spectrum.
- Develop and maintain a deep understanding of the portfolio at the client, industry, and macro level to assess risk and craft value added solutions that balance risk.
- Assess the credit worthiness, including due diligence of prospective borrowers and/or trading counterparties and establish appropriate terms and conditions to mitigate risk.
- Structure transactions and negotiate credit documentation including; credit agreements, amendments, derivative documentation.
- Ensuring granularity of the portfolio with specific reference to targets for net country/credit capital, legally binding commitments, total exposure and asset quality.
- Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the client’s credit life cycle.
- Develop, maintain, and manage internal relationships with business partners including Corporate and Investment Bankers, Sales & Trading, Risk Management, Syndications, and Legal.
- Participate in strategic projects to support business goals.
- Providing leadership and management within the team, comprising Associates and Analysts.
- Credit skills and risk judgement/Knowledge of EMEA market and specific industry sectors, structuring and documentation.
- Corporate Finance perspective and drives deal selection, screening and transaction management process.
- Accomplished negotiator with good foundation in relative value assessment and risk mitigation techniques.
- Understanding of credit risk sensitivities in the portfolio and risk drivers of the exposures.
- Sound product/technical and process knowledge across lending and derivative (FX, rates, commodities and equities) products.
- Ensuring that the portfolio and credit management process are at all times rated "satisfactory" by internal auditors, the Credit Review group and external Regulators.
- Acting as an agent of change/improvement, influencing corporate policy/procedure and projecting a positive strategic vision.
- Commercial mindset to support value added discussions with the clients and Relationship Managers.
- Extensive credit risk experience at a major international financial institution, analysing, assessing companies in different sectors and structuring transactions.
- Fluency in use of all Microsoft Office applications, particularly Excel.
- Effective interpersonal and communication skills with ability to resolve issues in a professional and timely manner working in a team.
- Strong organizational skills with ability to prioritize and work under pressure to ensure to meet deadlines.
- Fluency in English. Additionally, German language skills would be beneficial.
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