Senior Credit Manager - Specialised Finance Risk

Standard Chartered; City of London; On-site; GBP 70,000 - 90,000; Full time

Job summary

A leading international bank is seeking a Senior Credit Manager to oversee credit risk in London. This role involves analyzing complex financial situations, making critical credit decisions, and managing stakeholder relationships. The ideal candidate will have substantial banking experience and a strong understanding of the regulatory environment. Flexible working options and a commitment to diversity and inclusion are offered.

Benefits

Competitive salary

Flexible working options

Comprehensive wellbeing support

Continuous learning opportunities

Qualifications

• Expertise in risk management of complex financial situations.
• Proven track record in managing credit risk in banking.

Responsibilities

• Make final credit decisions and rating assessments.
• Manage a portfolio of unique counterparties.
• Engage in due diligence of new sponsors and transactions.

Skills

Credit risk decision making

Stakeholder engagement

Creditor documentation

Portfolio risk management

Stress testing

Education

Substantial banking experience

Understanding of regulatory framework

Job description

Senior Credit Manager - Specialised Finance Risk

Job ID: 43522

Location: London, GB

Area of interest: Governance, Risk Management & Compliance

We are seeking an experienced Senior Credit Manager in London to join our exciting global Specialised Finance Risk team at Standard Chartered Bank. The Specialised Finance Risk team focuses on several key business pillars including project and export finance, leveraged and acquisition finance, shipping and aviation finance, and commercial real estate amongst other segments. These business segments are an important part of Standard Chartered’s global strategy. The successful candidate will be working with the Chief Credit Officer as well as other experienced credit risk colleagues to drive the risk management of the bank’s origination, underwriting, and portfolio.

• Make final credit decisions and rating assessments using subject-matter expertise.
• Risk manage a portfolio of unique counterparties and exposures with early-stage detection of credit deterioration, which includes stress testing.
• Work actively with the Bank’s business teams to promote revenue growth whilst protecting Standard Chartered Bank against the downside risks through identification, investigation, mitigation and management of risks.
• The candidate will engage in early-stage deal screening and due diligence of new sponsors, borrowers and transactions, with the ability to analyze complex situations to find solutions. The candidate will further influence deal structuring for best-in-class underwriting standards.
• Present periodic portfolio and industry reviews with senior stakeholders and senior Risk partners.
• Design, maintain and effectively communicate risk control parameters to maintain the risk profile in line with the Group’s risk appetite.

Skills and Experience

• Ability to make credit risk decisions / recommendations with semi-complete information, but sufficient to form a sound, well-grounded credit view, in a compressed time schedule.
• Effective engagement with borrowers and sponsors
• Experience in stakeholder management and ability to express and communicate a credit opinion (written and orally).
• Detailed understanding of creditor documentation
• Strong ability to assess a diverse range of counterparties, asset classes and credit scenarios
• Proficiency in stress testing

Qualifications

• Industry: Expertise and agility in the risk management of complex situations
• Market Knowledge: Substantial experience at the highest level in the banking industry, including demonstrated success in similar role within the same product / business area.
• Risk Management and Control: Demonstrated track record in successful management and ability to manage risk in geographically dispersed and highly varied product base.
• Strong understanding of credit risk, financial analysis and structuring, and their application in lending decisions for single counterparty credit risk appetite. This would be gained from an investment bank or a structured finance group of a major international organization
• A desire to grow and learn.
• Regulatory Framework and Requirements: Awareness and understanding of regulatory framework in which the bank operates, and the regulatory requirements and expectations relevant to the role.
• Non-technical Skills: Significant relationship management experience – with external stakeholders at the most senior levels, including regulators.

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thingand are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle,continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together,we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter,we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance,with flexible and voluntary benefits available in some locations.
• Time-offincluding annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible workingoptions based around home and office locations, with flexible working patterns.
• Proactive wellbeing supportthrough Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills,global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning cultureto support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation,one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

Recruitment Assessments

Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.