KEY RESPONSIBILITIES:
Executes, aligned with global and regional strategies, all responsibilities regarding underwriting, including, but not limited to:
- Provide first line of defense credit approval for the most complex transactions and balance sheet commitments
- Adoption of leading practices in credit analysis, underwriting, and monitoring, including the end-to-end underwriting process, from early origination discussions to development of credit approval memos, and senior approval forums
- Supports function’s close engagement with global and Regional Business Heads, Independent Risk, regulators, and other control functions
- Facilitate relationships with key clients in Banking and Risk and with key Regulators, Internal Audit, and control functions
- Manage large, diverse, and high performing team of Directors and SVPs
- Oversee UW and IRAU team/credit associates with respect to their preparation of key deliverables such as CAM and sign off on their work product/standards
- Support the Global Head of ICM FI Credit Underwriting on strategic initiatives/projects
- Support VOE initiatives
SPECIFIC RISK EXPERIENCE:
- Senior credit approval authority covering large and complex underwritings, capital commitments, derivatives with multi-industry experience
- Experience in and exposure to global credit risk management standards
- Ability to understand capital markets products and complex financing and product structures
- Ability to provide strategic insights and strong sensitivity to macro and regulatory issues, and impact of such issues on the various Risk families, including operational and franchise risks
- Able to discuss and address issues associated with the allocation of risk assets and risk capital in partnership with banking and product organizations
- Proven ability to effectively engage with regulators and internal control functions including Internal Audit and Fundamental Credit Risk as well as with external audit
CLIENT RELATIONSHIPS / BUSINESS PARTNERSHIP:
- Proven ability to understand nuances of local markets, local regulation, and the capabilities and practices of competitors
- Navigates organizational complexity and breaks silos
- Creates and sustains a network of strong partnerships with the business in all segments & geographies and other risk functions
- Provides well-reasoned, balanced assessments of risk/return trade-offs associated with transactions and client relationships
- Proven track record of partnering with global peers in leveraging and implementation of best practices
- Proven track record on managing individuals and teams on multiple locations, driving strong Culture and Thought Leadership through groups and functions
QUALIFICATIONS:
- 15+ years risk/risk-related credit work experience in banking/financial institutions
- L2 Senior Credit Officer designation preferred
- Proven ability to effectively engage with regulators and internal control functions including Internal Audit and Banking and International Credit Review (BICR) as well as with external audit
- Demonstrates strong ethics and integrity
- Ability to see the ‘big picture’ in a complex environment
- Can make decisions under pressure and short timeline
- Excellent verbal & written communication skills. Active listening skills.
- Demonstrated influencing and negotiating ability, resolve conflicts amongst various constituencies
- Excellent presentation skills – adept at presenting effectively to audiences of various sizes and various constituencies
Risk ManagementCredit Decisions
Time Type:
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