VP- Credit - Corporate

VP- Credit - Corporate

Prepare, review and provide appropriate recommendation of credit facilities for a portfolio of Corporate Investment, Commercial clients alongside likely structured deal requests. Provide support towards first and second line of defence partners, CEO USA, Credit USA and Head of Credit CCB / IB Europe & Americas + deputise for HoC (when asked by HoC). Key tasks include management of a reportee, oversight and reporting of portfolio, monitoring client credit performance, ensuring that exposure remains within the portfolio and individual limits and adhering to the bank's Policy provisions and Risk Appetite.

Key Accountabilities :

Generic Accountability

• Guidance / training / coaching of less experienced staff (in particular towards your reportee) to sustain a strong Credit awareness culture and a commitment to excellence in execution
• Support collaborative, "can do" and ethical behaviour at all times
• Monitor and report adherence of credit appetite and portfolio limits
• Uphold high standards of credit underwriting and presentation in credit submissions originated by both you and your reportee
• Provide cover and support (and deputise when applicable and / or delegated by HoC)
• Maintain & develop relationships with all key stakeholders (incl. Coverage, Risk, Credit, Finance)
• Higher focus on managing sensitive credit situations, incl. promptly identifying & mitigating credit risk
• Advise Relationship Managers on the risk factors associated with complex transactions, and the clauses needed in mitigating these
• Achieve the required service TATs (turn-around-time) to the business, CEO USA & Head of Credit for timely credit decision making
• Stay abreast of relevant changes to rules / regulations and other industry news at FAB USA.
• Participate in (large, complex) client relationships through client visits / conference calls as part of transaction initiation and monitoring
• Interact with internal audit as and when required
• Recommends to HoC on any amendments to the Bank's and / or Branch's credit policy, procedures, , credit memorandum, risk criteria etc based on lending experience, market expediencies
• Demonstrate compliance with the bank's values and ethics at all times.

Job Context :

Minimum Qualification :

Minimum Experience :

Ability to work independently and follow directions, self-driven and a good team player