Morgan McKinley
Structured Finance Credit Officer - SVP
London
Posted about 12 hours ago
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Structured Finance Credit Officer - SVP
Structured Finance Credit Office
Structured Finance Credit Office is a 2LoD function responsible for analysing, approving, sanctioning, and monitoring the credit quality of structured finance transactions, including:
- Project Finance
- Structured Trade Finance
- Aircraft Finance
- Asset-backed Finance (inc. Securitisation)
London office is responsible for the EMEA region and we work closely to ensure global consistency in credit approvals.
Its major functions are outlined as follows:
- Assessment and management of credit risks and related risks
- Assessment and management of country risks
- Management of problematic assets
- Monitoring, reporting, and early action
- Portfolio analysis and management
Main Purpose of the Role
- To support Group Heads to direct the continuous development of CIB Credit for EMEA’s credit risk framework, risk appetite portfolio monitoring, and early warning frameworks in line with stakeholders, client, and regulatory expectations.
- To make recommendations to senior management on transaction-specific files as well as continuously and actively monitoring the portfolio in line with internal policies and applicable regulatory guidelines.
Key Responsibilities
- Support Group Heads on the following:
- Credit counterpart to the 1st Line of Defense (“1LoD”) relationship managers and applicable product offices, including divisional heads where necessary.
- Provide timely and succinct advice or briefings (in verbal or written form) to senior management, including Chief Credit Officer for EMEA.
- Proactive solutions-driven engagement with the frontline on deal-specific and/or strategic developments through expert guidance, direction, feedback, and identification of red flags or breaches of internal guidelines and policies.
- Conduct credit analysis of certain allocated sectors/products including drafting of credit papers, application of rating methodology, preparation of comparative statistics, graphs, and tables under the guidance of senior management.
- Monitor/review existing portfolio transactions and make recommendations in terms of credit and rating decisions.
- Work on ad-hoc projects, as instructed by Group Head or senior management, to setup/adjust the risk criteria/policy and to improve the quality of the portfolio.
- Follow the trend, market, and developments in certain allocated sectors/products, EMEA countries, players, and financial/legal structures and share those with the team.
- Support the development of more junior colleagues in the team and share technical knowledge of certain allocated sectors/products.
- As required, prepare reports for Head Office and European Headquarters as well as creating credit committee materials.
- To comply with all regulatory and compliance procedures.
- Responsible for meeting internal policy requirements.
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Essential:
- Sufficient experience working in financial institutions carrying out credit work for corporate and/or structured finance area
- Adequate experience in corporate banking and/or structured finance.
Preferred:
- Sufficient experience in Asset-backed Finance (inc. Securitisation)
- Proven experience in investment banking in credit or front office
Skills and Experience
- Sufficient credit assessment and credit risk management skills
- Adequate relevant industry experience with a deep area of credit specialism
- In-depth knowledge of credit and risk principles, products, derivatives, and management
- Sufficient experience in dealing with regulatory audits associated to credit
- Advanced interpersonal skills with ability and experience to communicate to both senior management and junior members of staff.
Essential:
- Bachelor Degree
Preferred:
- Masters Degree
Personal Requirements
- Excellent communication skills
- Results-driven, with a strong sense of accountability
- A proactive, motivated approach
- The ability to operate with urgency and prioritize work accordingly
- Strong decision-making skills, the ability to demonstrate sound judgment
- A structured and logical approach to work
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Skills
Credit Assessment
Credit Risk Management
Corporate Banking
Structured Finance
Asset-backed Finance
Securitisation
Investment Banking
Interpersonal Skills
Communication Skills
Decision Making
Judgement
Portfolio Management
Regulatory Compliance
Analytical Skills
Problem Solving
Team Development
Location