Credit Risk Manager

Key Responsibilities

1. Credit Adjudication & Risk Oversight

• Lead the credit approval process, ensuring thorough assessment and effective risk management for all credit proposals.
• Provide senior-level guidance on credit applications, identifying potential risks and recommending mitigation strategies.
• Ensure adherence to credit policies and regulatory requirements, maintaining a high standard of credit governance.

2. Corporate Banking Risk Management

• Collaborate with the Corporate Banking department to provide comprehensive risk assessments for high-value corporate clients and large credit exposures.
• Partner with corporate bankers to ensure credit risk management aligns with business objectives and growth strategies.
• Oversee the management of credit portfolios, optimizing risk exposure while supporting business growth.

3. Financial Analysis & Risk Evaluation

• Lead in-depth financial analyses, including balance sheet reviews, cash flow projections, and stress testing, to assess client viability and potential risks.
• Present detailed financial risk insights and recommendations to senior management, facilitating informed decision-making.
• Utilize advanced financial modelling to evaluate and predict risk outcomes, ensuring proactive credit risk management.

4. Industry Knowledge & Strategic Risk Insights

• Maintain an up-to-date understanding of key industry sectors, economic developments, and regulatory changes that impact credit risk.
• Provide strategic advice to senior leadership on sector-specific risks and opportunities, helping to shape credit risk policy and strategy.
• Foster a culture of knowledge sharing within the team, mentoring junior staff on credit risk trends and sector-specific analysis.

Qualifications & Skills

• Bachelor’s degree in Finance, Business, Economics, or a related field; an advanced degree (MBA or CFA) is highly desirable.
• Minimum of 10 years of experience in credit risk management, with significant exposure to corporate banking.
• Demonstrated expertise in credit analysis, financial risk assessment, and portfolio management.
• Strong knowledge of industry sectors and the ability to integrate economic trends into credit assessments.
• Proven leadership experience, with the ability to manage teams and work cross-functionally with senior stakeholders.
• Excellent analytical, communication, and decision-making skills, with a focus on driving risk-aware business growth.
• In-depth knowledge of regulatory frameworks and credit governance in a banking environment.