Morgan McKinley
Senior Director Credit Risk Manager
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EMEA Financial Institutions Credit Risk Management (“FIG Credit”)
About the Role Financial Institutions Credit Risk Management (“FIG Credit”) is a Credit Risk team within the 2LoD Risk department. It is responsible for credit risk management—including review and approval—of a diverse set of Financial Institution (FI) counterparties, such as:
- Banks
- Insurance companies
- Leveraged and unleveraged funds
- Sovereigns
Across the EMEA region, the portfolio spans:
- Developed and emerging markets clients
- A range of borrowing, trade finance, and trading products
- Non-recourse structures
- Securities inventory
- Country risk
FIG Credit is entity-agnostic, responsible for 2LoD credit risk management across the bank.
Key Responsibilities
Strategic & Framework Development
- Support 1LoD by designing risk and counterparty frameworks that align with the company’s business plan, balancing commercial and risk considerations.
- Ensure Credit Risk frameworks and appetite are clearly communicated throughout the bank in line with expectations from the Chief Credit Office and Chief Risk Officer.
- Develop and implement credit risk systems, measures, and processes to enhance governance and meet regulatory requirements.
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Credit Risk Management
- Conduct credit risk onboarding for new counterparties and periodic reviews of existing relationships, including limit setting and rating assessments.
- Approve annual reviews and ad-hoc transactions within delegated credit authority thresholds.
- Review credit risk terms in legal documentation for loan and trading products.
- Monitor, assess, and remediate credit risk exposures, ensuring they remain within appetite and addressing any breaches.
Market & Portfolio Oversight
- Monitor counterparty, industry, and market developments, providing insights to inform portfolio decisions.
- Actively participate in domestic and international projects, collaborating with stakeholders globally.
Leadership & Stakeholder Engagement
- Support the Head of FIG Credit EMEA in operational delivery, organisational development, and strategic direction, including:
- Developing an organisation structure that supports the business plan and FIG strategy.
- Managing up to 2-3 direct reports, ensuring motivation, addressing skill gaps, and maintaining succession planning.
- Acting as deputy for risk committees, representing the Head in regulatory interactions, or covering absences.
- Foster cross-team collaboration between FIG teams in different regions and the FI Credit Office in Tokyo.
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Primary Role Objective
Reporting to the Head of FIG Credit EMEA, the successful candidate will:
- Serve as a senior credit approver with material delegated credit authority, operating across the bank and all counterparty types/products. This includes handling time-sensitive trading enquiries.
- Focus on growth areas, including:
- Structured financing solutions for financial sponsors, insurance companies, and banks/non-bank lenders.
- Portfolio financing against private credit loans.
- Transactions involving listed/unlisted equity margin loans and repurchase agreements (REPO)/title retention security (TRS) on less liquid assets.
- Drive development of risk frameworks, risk measures, and rating enhancements for these innovative products.
- Proactively review, recommend, and implement changes to credit risk processes and procedures that align with business plans, governance, and regulatory mandates.
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