Manager, Credit

1 month ago

London, United Kingdom Standard Bank of South Africa Limited Full time

Business Segment: Corporate & Investment Banking

Location: GB, England, London, 20 Gresham Street

To manage a portfolio of counterparty credit risks associated with lending, trading, and investing activities, with the primary objective of assessing and managing risk within acceptable parameters as well as manager a team of other Credit Analysts.

Essential Functions:

  • Articulate credit appetite based on risk appetite for sector and give guidance structure of deals and documents (legal and collateral) required. Undertake quantitative and qualitative financial analysis to develop a comprehensive understanding of counter party risks for new or increased facilities. Conduct annual risk reviews on the existing portfolio base. Make timeous, sound and pragmatic recommendations and decisions in managing accounts within portfolio
  • Coordinate and ensure that the post-approval implementation of facilities and legal documentation is in accordance with the conditions of sanction. Follow up and address non-adherence to terms and conditions of sanction by counterparties; to consider the inherent risk therein and to make recommendations as to action to be taken to regularise or mitigate such increased risk. Coordinate research in respect of industry & market risk in relation to counterparty exposures on the underlying portfolio.
  • Develop and manage relationships with key internal and external stakeholders proactively. Hold primary relationship with clients and handle all aspects of client interaction including coordinating and execution of transactions. Work closely with front office to secure deals by providing the appropriate structuring advice at the appropriate DA (Delegated Authority) level.
  • Ensure the effective management of Credit Portfolio Allocated. Formulate and recommend and/or evaluate credit proposals, with a comprehensive risk assessment for new or increased facilities, as well as annual risk reviews on the existing portfolio base. This will usually entail visiting the customer and engaging at MD (Managing Director), FD (Financial Director) or FM (Financial Manager) level, and where necessary. Present applications to Credit committees consisting of Exco members.
  • Participate in and remain abreast of market developments. Stay attuned to industry and market risk developments and trends in relation to counterparty exposures and their impact on the underlying portfolios. Provide daily management, escalation and control of portfolio irregularities. Participate in projects as delegated from time to time. Manage excesses on portfolio
  • Work with senior credit risk colleagues on larger and/or more complex deals and transactions, providing analytical support and assistance where required
Qualifications

Minimum Qualifications
Type of Qualification: First Degree
Field of Study: Business Commerce

Experience Required
Credit Risk-BCC
  • 5 - 7 years well developed knowledge of financial markets, global economy and appropriate regional geographies in which theportfolio operates.
  • At least 5 years demonstrated understanding of vanilla lending and derivative products and facilities that give rise to counterparty credit risks, including the documentation required/presented to manage that risk.
  • At least 2 - 3 years Oil & Gas sector experience
  • Thorough conceptual and practical knowledge of credit procedures, policies and standards, as well as a thorough understanding of products and facilities that give rise to counterparty credit risk. Understanding of Basel and broader regulatory and compliance requirements.
  • NOTE : The role is based in London, therefore thesuccessful individual must be eligible to work in London, United Kingdom with soon effect (non negotiable)
Additional Information
  • Conveying Self-Confidence
  • Directing People
  • Examining Information
  • Exploring Possibilities
  • Interacting with People
  • Making Decisions
  • Managing Tasks
  • Team Working
  • Upholding Standards
  • Risk Measurement
  • Risk/ Reward Thinking
  • Interaction with Legal, TMU/Loans Admin teams will be required.
  • Collaborationwith Business (product and coverage), providing advisory services in terms of risk appetite, structuring and related due diligence; coordinate with Corporate Functions to ensure an appropriate control framework and risk mitigation is applied to the portfolio and transactions for which responsibility is held

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