VP - Credit Review - Global Banking Group - London (hybrid)

Role purpose

The Credit Review department is tasked with providing reasonable assurance regarding the accuracy of the Obligor and Facility grades as well as the Borrower’s Category assigned to the Bank’s credit-related Obligors. These are proposed by Front Office (FO) departments and approved mainly by the Credit Department (CD). Credit Review activities include Continuous Review, On-site Review, Branch Credit Review, Self-Assessment (SA) Classification Review and Discounted Cash Flow (DCF) Reviews.

Responsibilities

• Review assigned credit applications to ensure accuracy of the Obligor and Borrower’s category (if applicable).
• Discuss issues found and raise questions with the Front Office to obtain clarifications needed to complete the credit reviews.
• Discuss and agree with the Credit Review Partner findings and recommendations to raise.
• Submit reviews including recommendations and other findings to the Credit Review Partner for approval.
• Undertake follow-up and closure of any recommendations raised.
• Complete any other ad-hoc tasks assigned by the Credit Review Partner, including Self-Assessment Classification Review or DCF Review.
• Deputise for the Credit Review Partner in attending Special Credit Review (SCR) meetings as an observer; arrange and chair periodic meetings with stakeholders.
• Take part in Audit Department’s Front Office onsite audits.

Qualifications and experience

• Minimum 4–5 years in a Credit Analysis, Credit Rating or Credit Review/ Credit Sanctioning role involving rating and grading corporate clients from a credit perspective.
• Experience in a corporate/commercial banking environment or a ratings agency.
• Credit experience in corporate banking within major European or global banks, with understanding of large and global corporate credits.
• Good knowledge of corporate banking products and sound credit analysis skills, including strong accounting knowledge.
• Strong written and verbal communication skills, with the ability to prepare concise reports and communicate findings to stakeholders and management.

Senior/employment details

• Seniority level: Executive
• Employment type: Full-time
• Job function: Finance and Sales

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