Senior Credit Manager - Funds Risk, Americas

Risk Management

Responsible for identifying, assessing, monitoring, controlling and mitigating risks to the Group. Also, an awareness and understanding of the main risks facing the Group and the role the individual plays in managing them. The ability to interpret the Group's financial information, identify key issues based on this information and put in place appropriate controls and measures. Manage risk exposures of Funds portfolio. Provide early warning and identify deteriorating credits. Manage exposure down as required. Ensure risk identification, measurement, reporting, and modelling capabilities are objective, consistent, and compliant with applicable regulations. Ensure that material risk exposures and related issues are reported to the TRM Head, Americas. Ensuring that the quality of Business Credit Applications (BCAs) meets Group standards, particularly with regards to the completeness and depth of risk analysis. Approving breaches of Portfolio Guidelines / Underwriting Guidelines, to the extent permitted under Credit Policy / Portfolio Guidelines. Ensuring timely submission and accuracy of credit portfolio data to the relevant stakeholder. Monitoring compliance with Credit Policy and Portfolio Guidelines / Underwriting Guidelines periodically and reviewing any divergence. Ensure EAR process is adhered to. Assist relationship managers in identification and managing up or out of accounts exhibiting signs of deterioration and assist Group Special Assets Management, where appropriate, in managing accounts to maximise recoveries and minimise losses. Initiate stress tests as required by internal and external factors and review results and assess their implications. Uphold the integrity of risk/return decisions, by challenging business to demonstrate that risk origination and control decisions are properly informed and consistent with strategy. Continuously improve the operational efficiency and effectiveness of Credit Control and Reporting with regards to Funds. Ensure effective management of operational risks with respect to Funds Risk management functions and compliance with applicable internal policies, and external laws and regulations. Ensure appropriate judgement is applied in the discharge of risk authorities assigned to the job holder. Maintain a good understanding of the requirements of key external stakeholders in respect of risk management and ensure these are well understood internally and reflected in internal procedures. Participate in key committees. Ensure first line process owners understand and accept their risk management responsibilities. Maintain an open and cooperative relationship in dealings with regulators.

Market knowledge: substantial experience at the highest level in the banking industry, including demonstrated success in a similar role. Business strategy and model: sharp business acumen (including ability to assess risk and appropriate levels of return), strong leadership qualities, excellent interpersonal skills and multi-cultural awakened and sensitivity. Risk management and control: demonstrated track record in successful management and ability to manage risk in geographically dispersed and highly varied product base. Regulatory framework and requirement: awareness and understanding of the regulatory framework in which the firm operates. Non-technical skills: significant relationship management experience - with external stakeholder at senior levels. Languages; English. Banking training: Role specific training which are mandatory and developmental Risk management framework Core credit curriculum Financial Institutions Credit Curriculum Other training as deemed mandatory by the bank and updated on a periodic basis.

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 thing and 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

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-off including 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 working options based around home and office locations, with flexible working patterns. Proactive wellbeing support through 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 culture to 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.