ED/SVP - Senior Credit Risk Manager, Wealth Management Credit

Job Purpose

This is a senior role within the Wealth Management Credit team under the Risk Management Group, supporting the Private Banking and Treasures Private Client segments. The role will be responsible for complex and structured credit transactions, portfolio oversight, policy development and strategic risk-management initiatives, while contributing to the continued development of the team’s capabilities and operating model.

Responsibilities

• Lead a designated team of Credit Risk Managers, ensuring consistently high standards of credit assessment, risk judgement, portfolio oversight and execution.
• Assess complex and structured credit transactions in collaboration with Front Office, Credit Managers and Credit Risk Managers, ensuring that appropriate risk mitigants are established and material credit, legal, documentation, regulatory and reputational risks are addressed.
• Review and approve credit requests within delegated authority, and provide clear, well-supported recommendations for requests requiring higher approval authority.
• Lead or contribute to reviews of credit programmes, underwriting standards and new product structures, ensuring that material risks, control requirements and portfolio implications are appropriately assessed.
• Contribute to the development and periodic review of credit policies, standards and guidelines, incorporating portfolio experience, emerging risks, regulatory expectations and relevant market developments.
• Provide oversight of portfolio risk, including emerging and concentration risks, through proactive monitoring of market developments, client exposures and collateral performance. Assess portfolio resilience under stress scenarios and drive appropriate risk-management actions.
• Provide subject matter expertise for relevant transformation initiatives, including the automation and streamlining of credit processes, while ensuring that appropriate risk and governance controls are maintained.

Requirements 

• Bachelor’s or Post Graduate degree with at least 15 years of relevant experience.
• The ideal candidate will bring extensive experience in senior Credit Risk Management roles, preferably in the Private Banking or corporate banking space with a strong track record of managing UHNW credit portfolios / underwriting complex credit transactions.
• Demonstrated experience in leading and developing credit professionals and maintaining consistently high credit standards across a team.
• Strong portfolio-risk orientation, with the ability to identify emerging and concentration risks beyond individual transactions.
• Strong Analytical/ Credit Analysis skills and understanding of financial markets and derivatives
• Sound credit judgement and the confidence to articulate independent and constructive risk perspectives.
• Strong communication skills and ability to work collaboratively with various stakeholders including Credit Managers, Relationship Managers and Product teams.
• Meticulous, with strong attention to detail and the ability to prioritise and operate effectively under tight timelines.
• Aptitude and mindset to continuously leverage technology to drive efficiency and automation.

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