Director, Credit Risk Manager, Mid Market Leverage Finance

ECD is a credit division responsible for corporate banking and structured finance credit for non-Japanese corporates, FIs, and Sovereigns. Its major functions are outlined as follows:

• analysing, approving, sanctioning and monitoring the credit quality of corporate credit risks and related risks;
• analysing, approving, sanctioning and monitoring the credit quality of Leveraged Finance, Project Finance, Structured Trade Finance, Aircraft Finance, Asset-backed Finance (Securitisation)
• Assessment and management of country risks
• Management of problematic assets
• Monitoring, reporting and early action
• Portfolio analysis and management
Our Credit Team is part of a global organisation located in Tokyo, New York, Los Angeles, Singapore and London. The London Credit team is responsible for the EMEA region and we work closely with other regions to ensure global consistency in credit approvals. Number of Direct Reports None Main Purpose of the Role
• To support Group Head 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 shareholders, client and regulatory expectations.
• To support Group Head to lead, manage, guide and develop a group of credit professionals responsible for leveraged finance, and other corporate credit of certain allocated sectors.
• To exercise delegated credit approval authority of up to USD75mln, and/or 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.
• Taking an enterprise wide view to partner with the business to develop and set underwriting and risk appetite guidelines for new strategic or new product initiatives., Conduct credit analysis of principally leveraged finance transactions, including engaging with FO due diligence calls, 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 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 Tokyo 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.
  
  Experience of working in tier 1 bank credit division covering Leveraged Finance, or experience of working on leverage finance transactions within a major rating agency, or working in Leveraged Finance front line team.
Preferred:
• Sufficient experience in alternative area if an applicant being single-experienced for either corporate or structured finance.
• Good experience in investment banking in credit or front office, Sufficient credit assessment and credit risk management skills
• Adequate relevant leveraged finance product 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
• Strong interpersonal skills with ability and experience to communicate to both senior management and junior members of staff.
Preferred: Education / Qualifications: Essential
• Bachelor Degree
Preferred:
• Masters Degree or equivalent, CFA qualification, recognized accountancy qualification.
Personal Requirements
• Excellent communication skills demonstrating the ability to articulate and implement the vision/strategy for CIB Credit for EMEA
• Results driven, with a strong sense of accountability
• A proactive, motivated, creative and innovative approach to work
• The ability to operate with urgency and prioritise work accordingly
• Strong decision making skills, the ability to demonstrate sound judgement
• Strong problem solving skills, and excellent interpersonal skills
• Excellent attention to detail and accuracy
• A calm approach, with the ability to perform well in a pressurized environment
• A confident approach, with the ability to provide clear direction to the team
• Excellent managerial/leadership ability to build and develop a first class credit team
• An enterprise-wide strategic approach to the role of CIB Credit, with the ability to contribute strongly to a high performing team
We are open to considering flexible working requests in line with organisational requirements.

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