Wholesale Credit Risk Sanctioning - LevFin - VP

Overview

Independently assess and make credit decisions for complex financing transactions within the LevFin, SLF, and Hedge Funds sectors, in line with the bank's credit risk appetite and regulatory requirements, and contribute to credit risk policies and procedures for the Specialised Sector.

What you'll do

• Analyse complex financial information and business models of LevFin, SLF, and Hedge Fund clients to assess creditworthiness, repayment capacity, and potential risks.
• Monitor the performance of the LevFin, SLF, and Hedge Fund portfolio, identifying and reporting early warning signs of potential credit deterioration.
• Evaluate the risk profile of each application considering industry trends, borrower financials, collateral, and market conditions.
• Document credit decisions and rationale clearly and concisely, adhering to internal audit and regulatory reporting standards.
• Develop and implement strategies to mitigate identified credit risks and optimise portfolio performance.
• Contribute to or set strategy, drive requirements and make recommendations for change.
• Plan resources, budgets, and policies; manage and maintain policies and processes; deliver continuous improvements and escalate breaches of policies or procedures.
• Manage a team: define jobs and responsibilities, plan for the department's future needs, counsel employees on performance, and contribute to employee pay decisions.
• Advise key stakeholders, including functional leadership teams and senior management, on functional and cross-functional areas of impact and alignment.
• Manage and mitigate risks through assessment, supporting the control and governance agenda, and demonstrate accountability for risk and controls in relation to the team's work.
• Oversee task allocation and planning, review credit papers of the assigned portfolio, and monitor team progress on annual and quarterly credit reviews.
• Develop and retain team members through ongoing technical and non-technical training and resource development.
• Develop effective internal relationships and manage onshore stakeholders proactively.

What you'll need

• Strong experience in corporate credit risk assessment of global credits, with a focus on the US and/or EMEA regions within the High Risk/LevFin domain.
• Experience managing and coordinating a team of credit analysts to ensure high-quality annual and quarterly credit reviews.
• Strong team oversight and communication skills.
• Proactive engagement in risk initiatives to achieve strategic objectives.

Nice to have

• Experience in credit risk, preferably in an international banking environment, covering Leveraged and/or High Yield clients.
• Team management experience.
• Good analytical skills with attention to detail and the ability to provide big-picture decision making.
• Good interpersonal, verbal and written communication skills, with the ability to clearly articulate complex concepts and ideas.

Details

• Based out of Mumbai.