Head of Commercial Credit Risk (Banking)

• Established Firm
• Dynamic Environment

About Our Client

Our client is a forward-thinking financial institution committed to driving innovation and excellence in the commercial banking sector. With a rich legacy and a relentless focus on client success, they are poised for exponential growth and seek a visionary leader to spearhead their commercial banking team.

Job Description

• Conduct thorough analysis of commercial credit applications, assessing the financial stability, industry risk, and overall creditworthiness of clients.
• Utilize quantitative and qualitative methods to evaluate financial statements, cash flow projections, and other relevant financial data.
• Oversee the management and monitoring of the commercial credit portfolio, identifying potential risks and implementing strategies to mitigate them.
• Collaborate with cross-functional teams to ensure alignment of credit risk policies with business objectives.
• Develop and enhance commercial credit risk policies and procedures in line with industry best practices and regulatory requirements.
• Implement and communicate credit risk policies to ensure compliance across the organization.
• Develop and implement risk mitigation strategies, working closely with underwriting and business development teams.
• Provide guidance on structuring complex credit transactions to minimize risk exposure.
• Stay abreast of relevant industry regulations and ensure that commercial credit risk practices comply with local, national, and international regulatory requirements.
• Collaborate with legal and compliance teams to address regulatory issues and changes.
• Lead and mentor a team of credit risk professionals, providing guidance and support in complex risk assessments.
• Foster a culture of continuous learning and development within the credit risk team.

The Successful Applicant

• Minimum of 10+ years of experience in commercial credit risk management.
• Bachelor's degree in finance, business, or a related field; advanced degree or relevant certifications (e.g., CFA, FRM) preferred.
• Strong analytical skills with the ability to interpret complex financial data.
• Strong clientele in Shipping, Mining, Manufacture, Agrobusiness, FMCG
• In-depth knowledge of commercial lending products and services.
• Proven experience in developing and implementing credit risk policies.
• Excellent communication and interpersonal skills.
• Ability to collaborate effectively with cross-functional teams.
• Strong leadership and mentoring capabilities.

What's on Offer

• Career Progression
• Great working culture