Job Summary:

• Independent oversight of investment portfolio
• Performing in-depth credit risk analysis
• Working with 1st line teams to ensure adherence to risk frameworks and guidelines
• Challenging investment decisions and decisions from a credit risk perspective
• Maintaining and monitoring credit risk framework
• Providing oversight of regulatory and / or capital models
• Use quantitative methods and models to help build out risk frameworks
• Analysis of credit risk and impact on investment portfolios (multi currency)
• Helping do design and develop Management information (MI) framework for credit risk
• Conducting and supporting credit analysis

Skills on Resume:

• Portfolio Oversight (Hard Skills)
• Credit Risk Analysis (Hard Skills)
• Framework Adherence (Hard Skills)
• Decision Challenge (Soft Skills)
• Risk Framework Monitoring (Hard Skills)
• Regulatory Oversight (Hard Skills)
• Quantitative Modeling (Hard Skills)
• MI Framework Design (Hard Skills)

Job Summary:

• Build and/or improve on a risk report for various trading desks.
• Perform market risk factor analysis in order to identify risk.
• Attribute profit and losses to various market risk factors.
• Perform ad hoc portfolio analysis on thematic basis or into significant risk positions.
• Identify, quantify, analyse and troubleshoot market risk issues.
• Evaluate, implement and optimise risk management processes and systems.
• Attribute actual profits and losses to risk sensitivities.
• Explain large profits/losses to top management in terms of market risk sensitivities.
• Ensure daily interaction with traders and conduct scenario analysis on their behalf.
• Attend, present to, and engage with various risk governance forums
• Build and maintain professional working relationships with all stakeholders, displaying excellent abilities to initiate dialogue, listen, advise, influence and negotiate to achieve win-win outcomes.

Skills on Resume:

• Risk Reporting Development (Hard Skills)
• Market Risk Analysis (Hard Skills)
• Profit-Loss Attribution (Hard Skills)
• Portfolio Analysis (Hard Skills)
• Risk Issue Troubleshooting (Hard Skills)
• Risk Process Optimization (Hard Skills)
• Risk Communication (Soft Skills)
• Stakeholder Engagement (Soft Skills)

Job Summary:

• Scope, develop and maintain end-to-end processes and concepts for credit risk management and fraud detection at DCS
• Select and implement functional specification of credit assessments including fraud detection tools  
• Define end to end process for dunning stages and final debt handling (sale, collection agent, litigation) to write-off  
• Manage tool alerts and manual credit acceptance decisions on a daily basis 
• Provide insights and transparency on credit and fraud situations to the operations team and Senior Management through ad hoc and periodic reports 
• Drive and seek for continuous improvement of the tools and processes  
• Collaborate with interdisciplinary teams as well as with external partners, using agile methods 
• Provide support for capital analysis considering various capital frameworks
• Liaise with other teams to provide support and evaluate financial statement impact of CRT
• Identify opportunities and continuously evaluate enhancement opportunities for capital structuring
• Gain a working knowledge and insights for credit markets

Skills on Resume:

• Risk Management Design (Hard Skills)
• Tool Implementation (Hard Skills)
• Debt Handling Oversight (Hard Skills)
• Credit Decision Management (Hard Skills)
• Reporting Insights (Hard Skills)
• Process Improvement (Hard Skills)
• Agile Collaboration (Soft Skills)
• Capital Analysis Support (Hard Skills)

Job Summary:

• Initiate meetings with key stakeholders to track progress, manage expectations and ensure stakeholders' requirements are delivered.
• Build and/or improve counterparty credit risk reports
• Assess exposures vs. limits across various instruments and netting sets
• Monitor and escalate collateral conditions/requirements and liaising with Collateral team to ensure collateral conditions are met
• Undertaking thematic or risk-based portfolio analysis projects, including performing stress testing
• Assisting the London Branch to achieve/maintain compliance, in line with Group projects, with counterparty credit-risk related regulatory changes
• Assist and liaise with the XVA desk in managing XVA costs/adjustments/optimization requests across the OTC and cleared derivative portfolios
• Attend, present to, and engage with various risk governance forums

Skills on Resume:

• Stakeholder Meetings (Soft Skills)
• Credit Risk Reporting (Hard Skills)
• Exposure Assessment (Hard Skills)
• Collateral Monitoring (Hard Skills)
• Portfolio Stress Testing (Hard Skills)
• Regulatory Compliance (Hard Skills)
• XVA Management (Hard Skills)
• Risk Governance Engagement (Soft Skills)

Job Summary:

• Monitoring and investigation of daily exceptions by line of business, and follow-up with traders on any excesses. 
• Perform fundamental credit analysis and assess trading strategies for any limit exceptions
• Monitor the EMEA portfolio, looking at concentration risks, country risk, trends, etc as well as single name issuer risk
• Issuer risk contributions to various regulatory, senior risk management committees, and ad hoc presentations/dashboards
• Interact on a regular basis with the Global Markets Trading desks (including Credit, Special Situations/Distressed, Govt bond trading, Short end trading, etc.) as part of the role as Issuer Risk manager, as well as reviewing transactions. 
• Provide recommendation for approvals and write-ups/rationales for limit exceptions
• 'User' representative for enhancements/improvements for the issuer reporting system (MRX).
• Understand downstream feeds to other credit risk systems in the context of approving more complex non-standard transactions.

Skills on Resume:

• Exception Monitoring (Hard Skills)
• Credit Analysis (Hard Skills)
• Portfolio Monitoring (Hard Skills)
• Issuer Risk Reporting (Hard Skills)
• Trading Desk Interaction (Soft Skills)
• Approval Recommendations (Hard Skills)
• System Enhancements (Hard Skills)
• Risk System Integration (Hard Skills)

Job Summary:

• Perform qualitative and quantitative analysis on counterparties, including assessments of financial statements and other industry and client specific news
• Underwrite and risk manage the secured and unsecured loan portfolio. 
• Setting and defining credit limits, transaction terms, repayment requirements
• Build and review financial models
• Monitor portfolio and borrower performance
• Collaborate with sales, lending, and trading teams
• Directing and managing the team who will be carrying out credit analysis and financial analysis, managing credit requests, preparing margin facility proposals, collateral agreements, ISDAs, and guarantee agreements. 
• Performing performance reviews on team members
• Overseeing and improving processes between the credit risk team and other teams throughout the business
• Preparing and presenting information to the Financial, Credit and Group Risk committees

Skills on Resume:

• Counterparty Analysis (Hard Skills)
• Loan Underwriting (Hard Skills)
• Credit Limit Setting (Hard Skills)
• Financial Modeling (Hard Skills)
• Portfolio Monitoring (Hard Skills)
• Team Collaboration (Soft Skills)
• Team Management (Soft Skills)
• Process Oversight (Hard Skills)

Job Summary:

• Responsible for maintaining PEUSA overall credit portfolio quality standards in line with PEUSA credit risk tolerance
• Oversight and remediation of credit breaches (including margin call and collateral liquidation processes)
• Collateral management and monitoring (including concentration risk at issuer, sector/industry, country levels) at portfolio level
• Provide credible challenge to First-Line colleagues on credit risk management-related matters, including Client relationship managers, Credit Structuring and Credit Transactions teams
• Monitor post-approval conditions (including through control testing) and develop solid understanding of PEUSA credit portfolio migration under various stress tests
• Role reporting to Head of Credit Risk Management Europe
• Oversee credit risk management efforts across all phases of the customer and counterparty lifecycle
• Develop & maintain credit risk management policies and ensure adherence to executive staff risk appetite
• Partner with Risk Operations to implement appropriate controls, scalable processes, and well-defined procedures
• Partner with Product teams on end-to-end credit risk experience and Risk Engineering teams to design and implement risk controls for managing exposure

Skills on Resume:

• Portfolio Oversight (Hard Skills)
• Breach Remediation (Hard Skills)
• Collateral Management (Hard Skills)
• Risk Challenge (Soft Skills)
• Portfolio Analysis (Hard Skills)
• Risk Reporting (Hard Skills)
• Lifecycle Management (Hard Skills)
• Policy Compliance (Hard Skills)

Job Summary:

• Work with the team to build credit stress testing models for PD, LGD, and EAD, creating forward looking elements and aspects.
• Develop and maintain quantitative models for credit scenario analysis within the banks risk frameworks.
• Provide stakeholders with advice and clarity on model use, model impact and model implementation, providing actionable MI on model performance
• Set and maintain credit risk policies for mortgage products
• Build credit risk models used in underwriting and account management, including affordability calculators and other similar models
• Measure, monitor and report on portfolio performance
• Build “Test and Learn” and data-driven strategies to continually improve credit performance
• Assist wider team in setting Risk strategy and Controls and Governance framework
• Collaborate with other Scroll colleagues in supporting the company’s objectives and key results
• Build a team of risk analysts to manage operational aspects of the credit evaluation process
• Develop initial customer-level credit risk scoring models across all products

Skills on Resume:

• Stress Testing Models (Hard Skills)
• Scenario Analysis (Hard Skills)
• Stakeholder Advice (Soft Skills)
• Policy Maintenance (Hard Skills)
• Risk Model Building (Hard Skills)
• Portfolio Reporting (Hard Skills)
• Strategy Development (Soft Skills)
• Team Leadership (Soft Skills)

Job Summary:

• Guides team in improving and providing regular updates of various practices, reports, policies, and procedures with the Risk Management department.
• Oversees team processes and updates policies to reflect improvements.
• Maintains necessary training to be well informed of regulatory and industry practices and informs/trains rest of area 
• Responsible for ensuring all known issues and risk incidents, regardless of source, are tracked and driven to appropriate and timely remediation through the centralized incident tracking database.
• Ensures data collection and reporting on key risk metrics. 
• Reviews and challenges risk metrics and investigates metric breaches.
• Ensures the effective implementation and execution of Operational Risk programs including event data collection, key risk indicators, scenario analysis, and risk and control identification and assessment as well as reporting to the Risk Management department.
• Works with the Risk Management department to develop plans to mitigate operational risk gaps identified through the bank’s Risk and Controls Self-Assessment (RCSA) process.
• Conducts and/or coordinates various quality control reviews and monitoring covering all key business risks, including key regulatory compliance requirements. 
• Maintains partnerships and alignment with product providers and negotiates key terms within the contracts for given prospects and existing clients.

Skills on Resume:

• Policy Updating (Hard Skills)
• Team Oversight (Soft Skills)
• Regulatory Training (Hard Skills)
• Incident Management (Hard Skills)
• Data Reporting (Hard Skills)
• Metrics Review (Hard Skills)
• Risk Program Execution (Hard Skills)
• Quality Control (Hard Skills)

Job Summary:

• Provide oversight and assist in the management of SPV Lender inquiry process involving core rights act matters working with Director of Credit Management, Operations and Legal teams. 
• Coordinate with vendor and prepare quarterly reserve assessments for the portfolio working with Director of Credit Management and other credit team members.
• Provide coordination of credit-related activities in workout situations partnering with the Workout Advisor, the Eligible Lenders or Workout Administrator.
• Partner with the Director of Credit Management on designing and operating an effective governance process centered on an efficient decision-making framework.
• In coordination of the Director of Credit Management, complete portfolio review of all workout loans including disposition plan, risk ratings, impairment analysis and charge-off recommendations working with Credit Administrator and SPV accounting.
• Collaborate with the entire Credit team and Accounting, prepare loss forecasts using LGD and specific reserves for defaulted loans.
• Seek to minimize losses while maintaining compliance with Policy goals and considerations.
• Work with SPV counsel and FRBB counsel to oversee Workout Advisor or Workout Administrators and develop appropriate strategies to protect the SPV interests.
• Ensures any issues identified in the process are appropriately recorded and escalated.
• Responsible for coordinating initiatives through the New Initiatives Committee process.
• Creates and leads any business unit specific Risk Committees required and participates in the enterprise-wide Management Risk Committee.
• Preserves partnerships and alignment with business executives and senior management as well as the Risk Management department.

Skills on Resume:

• Inquiry Oversight (Hard Skills)
• Reserve Assessments (Hard Skills)
• Credit Coordination (Hard Skills)
• Governance Design (Soft Skills)
• Portfolio Review (Hard Skills)
• Loss Forecasting (Hard Skills)
• Compliance Management (Hard Skills)
• Strategy Development (Soft Skills)

Job Summary:

• Responsible for the preparation of loan portfolio reports for Bank management and the Board of Directors (or committees thereof), including reports for external auditors, loan review and/or regulatory agencies.
• Responsible for analysis and preparation of the Allowance for Loan and Lease Losses reports (ALLL) until the Bank transitions to the Current Expected Credit Loss (CECL).
• Leads the Banks efforts to transition to the CECL method of determining an adequate loan loss reserve. 
• Prepares documentation regarding the choice of methodology and provides information requested by internal and external auditors and regulators regarding the Banks efforts to report under CECL.
• Prepares periodic Bank level stress tests.
• Coordinates with the Finance department to provide accurate loan portfolio information to the Board, regulators and investors.
• Monitors the loan portfolio to ensure that loan codes accurately reflect appropriate risk, collateral and industry types.
• Serves on other Bank committees as a representative of Credit Administration as appropriate.
• Interacts and communicates with the Banks internal compliance department, external loan review and regulatory agencies 
• Provides assistance to Credit Administration to ensure compliance with requirements under SOX.
• Meets response and resolution times as defined in service level agreements and/or service requests, and follows established processes to meet service level commitments. 
• Completes all required regulatory training as assigned within deadlines established including BSA, Bank Security and any other training as assigned, within required timeframes and on an annual basis.

Skills on Resume:

• Portfolio Reporting (Hard Skills)
• Loss Reporting (Hard Skills)
• CECL Transition Lead (Hard Skills)
• Stress Test Preparation (Hard Skills)
• Loan Data Coordination (Hard Skills)
• Portfolio Monitoring (Hard Skills)
• Compliance Interaction (Soft Skills)
• Regulatory Training (Hard Skills)

Job Summary:

• Establish and define the overall framework for the consistent and unified governance, identification, measurement, monitoring, management and reporting of credit risk across group, including instances where asset managers are mandated to manage credit assets.
• Develop and maintain co-operative relationships between all stakeholders in the credit value chain.
• Report on and oversee credit risk across the group, including clients and shareholders.
• Establish an appropriate group level credit risk appetite (i.e. for shareholder and client portfolios) in cooperation with the credit risk management community. 
• Coordinate the delivery of a credit risk management plan.
• Establish the annual plan for credit risk management.
• Ensure efficient and effective use of credit risk management infrastructure (systems and processes).
• Coordinate credit risk community/leadership sessions.
• Responsible for all SAM and regulatory credit related requirements.

Skills on Resume:

• Framework Development (Hard Skills)
• Stakeholder Relations (Soft Skills)
• Credit Risk Oversight (Hard Skills)
• Risk Appetite Setting (Hard Skills)
• Risk Management Planning (Hard Skills)
• Annual Planning (Hard Skills)
• Infrastructure Utilization (Hard Skills)
• Community Coordination (Soft Skills)

Job Summary:

• On-going credit risk monitoring and stress testing of the Group’s overall credit risk, on the basis of individual obligor, industry sector, country, as well as at a portfolio level.
• Prepare reporting materials and key insights for risk committee discussion.
• Liaise with I.T. and investment operation team to manage the group-wide Credit Limit Monitoring System.
• Maintain a close working relationship with and provide credit risk management support to various key internal stakeholders at Group and Local business unit levels
• Implement credit risk policies & limits.
• Monitor limit usage and ensure that all credit risk policies/limits are compliant.
• Conduct risk assessment, including to identify relevant risks and mitigants as well as to provide recommendations regarding policy/limit exception requests.
• Formulate the Bank’s credit policies, guidelines and approval criteria to ensure they are in adherence with regulatory requirements and statutory rules and regulations
• Identify deviation of credit guidelines and propose actions/ control measures to mitigate the risk
• Review and revise existing laid-down policies for retail and corporate lending product to regulate credit activities undertaken by the Bank
• Keep abreast of prevailing market conditions, bank policies/ guidelines and regulatory requirements of credit risk management

Skills on Resume:

• Credit Risk Monitoring (Hard Skills)
• Committee Reporting (Hard Skills)
• System Management (Hard Skills)
• Stakeholder Support (Soft Skills)
• Policy Implementation (Hard Skills)
• Limit Compliance Monitoring (Hard Skills)
• Risk Assessment (Hard Skills)
• Policy Formulation (Hard Skills)

Job Summary:

• Recommend strategic changes to credit policy so that retail credit portfolios are operating at their optimal by ensuring the bank stays on bad debt risk appetite.
• Determine how bad debts are performing against budgets/forecasts and pricing targets, and to monitor actual bad debts against pricing target to ensure alignment with risk appetite.
• Enable clarity and understanding of bad debt matters within the Retail Credit Team, the Executive and Board
• Reporting on the impact of bad debts (including recoveries) on credit portfolio profit in a clear and reconciled manner
• Establishing a shared language, way of work and shared tools, across departments involved in bad debt management and reporting.
• Support the development of a transaction-level credit climate risk assessment to build a systematic approach to incorporate climate risks into Borrower Risk Assessment
• Engage business partners to solicit feedback and to align on the design of assessment
• Lead the implementation of the credit climate risk assessment tools into the credit processes using a scalable approach
• Create periodic monitoring and review process for the credit climate risk assessment, and to lead further enhancements 
• Collaborate with business and risk & control partners to identify and to achieve synergies on credit process impacts with other climate-related initiatives
• Lead the working efforts to set up data collection process for credit climate risk data and liaise with Business and Technology partners to consider potential integration with the existing credit systems/tools as well as other data projects
• Represent credit risk in climate-related workshops and engage senior management on key decision-making 

Skills on Resume:

• Policy Strategy (Hard Skills)
• Debt Analysis (Hard Skills)
• Debt Reporting (Hard Skills)
• Team Standards (Soft Skills)
• Risk Assessment (Hard Skills)
• Tool Leadership (Hard Skills)
• Process Review (Hard Skills)
• Workshop Representation (Soft Skills)

Job Summary:

• Engage in Customer Due Diligence process for periodic review and trigger event review
• Ensure the completeness of CDD information and supporting documents for case review and approval
• Conduct post credit- approval review to ensure they are complied with credit policies and guidelines.
• Identify and provide early-alerts on potential problematic credits accounts and recommend classification and appropriate actions to mitigate bank’s risk and loss.
• Assist frontline in resolving problematic accounts including formulation and implementation of loan recovery or exit plan
• Perform portfolio analysis to identify potential credit risks, alert to frontline with identified risk and recommend preventive measures/ risk mitigation
• Enhance internal credit policies/procedures/guidelines and ensure full compliance with internal credit policies/guidelines and external regulatory requirements
• Contributing and understanding business development activities, formulating opportunities into proposals, and sharing with the managers in order to implement
• Working effectively with colleagues across the CRO, Commercial, Strategic Analytics, Finance, and Risk & Governance teams, to achieve shared business goals
• Choosing the appropriate data and framework for subsequent analysis: extracting this data, performing the analysis and presenting the results

Skills on Resume:

• Due Diligence Engagement (Hard Skills)
• CDD Completion (Hard Skills)
• Post-Approval Review (Hard Skills)
• Early Alert Identification (Hard Skills)
• Account Resolution (Soft Skills)
• Portfolio Analysis (Hard Skills)
• Policy Enhancement (Hard Skills)
• Data Framework Analysis (Hard Skills)

Job Summary:

• Interpreting data, identify patterns, trends and links, optimising risk / reward through analytics and insights
• Developing and monitoring of risk measurements and metrics to be able to perform such analytics
• Performing appropriate analysis on pricing and score cut off changes with the policy team
• Collaborating as a subject matter expert on risk data and analytics with stakeholders across the bank.
• Ensuring data and governance capabilities are in place for monitoring of changes in the retail credit risk portfolios to meet internal and regulatory requirements 
• Ensuring that risk management is proactive in nature by giving timely insights on emerging risks
• Active involvement in regulatory projects including the changes to the prudential and reporting standards as the SME
• Ensure compliance with the regulatory reporting policy and its control framework by enhancing governance to ensure accuracy and completeness of Credit Risk regulatory reporting. 
• Partnering with analytics & insights teams to be able to identify and investigating trends and insights to understand and pro-actively inform stakeholders of changes in regulatory reporting metrics
• Leading / supporting the wider Credit Risk team with other strategy initiatives, enhance financial assistance offers to support customers, support CCR initiatives

Skills on Resume:

• Data Interpretation (Hard Skills)
• Risk Metrics Monitoring (Hard Skills)
• Pricing Analysis (Hard Skills)
• Data Collaboration (Soft Skills)
• Governance Compliance (Hard Skills)
• Proactive Risk Management (Hard Skills)
• Regulatory Project Involvement (Hard Skills)
• Strategy Leadership (Soft Skills)

Job Summary:

• Prepare information and documentation records related to credit decisions to be taken by the Managing Directors.
• Supporting the Managing Board regarding to credit proposals, credit analysis, rating issues and credit decisions.
• Develop and implement workflow improvements related to credit analyst`s work in coordination with the Managing Board
• Assessing new data sources, tools and techniques to ensure the quality of credit decision is maintained in a fast-changing environment
• Responsible for the timely and accurate preparation of Anacredit reports in compliance with regulatory requirements.
• Researching credit worthiness information from public agencies or data bases
• Act as a substitute according to the prevalent rules and guidelines regarding the credit decision processes
• Assisting the Head of Credit department in monitoring and reviewing credit analyst`s performance in order to support the annual appraisal process
• Monitoring the credit portfolio for potential risks of default
• Valuate, administration, and custody of collateral items
• Handling and processing of defaulted and doubtful debtors including workout and legal action
• Responsible for training and motivation of credit analysts

Skills on Resume:

• Credit Documentation (Hard Skills)
• Board Support (Soft Skills)
• Workflow Development (Hard Skills)
• Data Assessment (Hard Skills)
• Regulatory Reporting (Hard Skills)
• Credit Research (Hard Skills)
• Process Compliance (Hard Skills)
• Analyst Training (Soft Skills)

Job Summary:

• Lead transaction due diligence from a risk perspective and monitor a portfolio of credits across newly-originated leveraged finance transactions.
• Working with Credit Bankers to size and structure loans to mitigate risks and liabilities
• Participate in negotiation and structure of Credit Agreements and or extensions of credit, working closely with Legal, M&A, Finance and Operational teams to adequately structure transactions.
• Analyze and opine on transaction structure, including key terms, pricing, and covenants.
• Establish and manage credit risk limits in accordance with the risk tolerance and policy for corporate lending counterparties.
• Identify key risks and mitigants impacting potential borrowers. 
• Prepare and analyze business models, credit fundamentals, projection models and more to form a credit view.
• Perform financial analysis on prospective borrowers. 
• Analyze an array of financial metrics to assess the value of a business, determine debt capacity, and understand the financial risks associated with each credit.
• Preparing Investment Memorandums, Credit Approval Packages and present transaction recommendations to Risk Committee and Investment Committee.
• Monitor loans and portfolio performance post-closing including timely completion of monthly credit reviews, global / regional portfolio reviews, covenant compliance, risk ratings and compliance with rules, regulations and policies, and other reporting 
• Create, review and share critical business decks for leadership, investors and financial sponsors.
• Lead ad-hoc projects and participate in global working groups to enhance policies, procedures, and other Risk Management priorities.

Skills on Resume:

• Transaction Diligence (Hard Skills)
• Loan Structuring (Hard Skills)
• Credit Negotiation (Hard Skills)
• Risk Limit Management (Hard Skills)
• Credit Analysis (Hard Skills)
• Investment Presentation (Hard Skills)
• Portfolio Monitoring (Hard Skills)
• Project Leadership (Soft Skills)

Job Summary:

• Study the Credit Proposals submitted by the business unit to ensure their compliance with the regulatory authority and the bank policies. 
• Prepare the Credit Risk recommendations highlighting the Risks and proposing mitigations. 
• Assist the Head of Credit Risk and Review in the establishment and implementation of the credit policies, procedures and processes.
• Ensure compliance and implementation of recommendation by entities, information, and credit risks connected with EDB’s business activities and ensure proper governance in controlling and escalating the breaches if not complied in order to promote adherence to rules and regulations within EDB.
• Prepare a sanction letter to provide the Business unite and the loan operations unit with the details of credit approval for implementation.
• Prepare periodic and ad hoc statistics pertaining to declined and approved cases and the ratio thereof, of instances of missing documentation over a certain period, etc
• Keep record of all information that will then be further submitted to the Credit Risk Manager for review
• Ensure that changes in policies and procedures arising from changes in products, regulations or systems are considered during the analysis and administration of credit facility proposals in order to maintain up-to-date policies and procedures within EDB.
• Maintain an understanding of all pertinent regulations as well as best practices pertaining to the overall credit operations in order to ensure adherence to regulations.
• Ensure high standards of confidentiality to safeguard commercially sensitive information.

Skills on Resume:

• Compliance Review (Hard Skills)
• Risk Recommendations (Hard Skills)
• Policy Implementation (Hard Skills)
• Governance Oversight (Hard Skills)
• Sanction Letter Preparation (Hard Skills)
• Statistical Reporting (Hard Skills)
• Documentation Management (Hard Skills)
• Regulatory Mastery (Hard Skills)

Job Summary:

• Conduct credit risk monitoring, analysis and deliver relevant internal and external risk reporting
• Develop new regulation/internal guideline-driven reporting and tools 
• Enhance and further develop the credit risk management framework and policies & procedures
• Develop, maintain and improve the credit risk stress testing framework, across several risk scenarios
• Manage the bank-wide / risk- / treasury-specific projects
• Responsible for the maintenance and development of the ECL model and reporting
• Support and contribute to Risk Network activities and initiatives
• Monitor changes to regulations, investigate & implement the impact of risk monitoring and reporting
• Provide support and guidance to team members to support their skill development
• Support the data governance framework to improve regulatory and internal reporting
• Responsible for the Portfolio Management Committee (content and secretariat)
• Contact person for the regulators in relation to credit risk management

Skills on Resume:

• Risk Reporting (Hard Skills)
• Tool Development (Hard Skills)
• Framework Enhancement (Hard Skills)
• Stress Testing (Hard Skills)
• Project Management (Hard Skills)
• Model Maintenance (Hard Skills)
• Regulation Monitoring (Hard Skills)
• Team Guidance (Soft Skills)

Job Summary:

• Support and execute a risk-based annual testing and monitoring plan, report on results and escalate issues 
• Engage and guide team in the development of testing attributes.
• Set the criteria for testing the effectiveness of controls and independently test the effectiveness of controls.
• Perform deep dive analysis on higher risk segments to identify drivers of risk.
• Credibly challenge and advise the Auto business line with respect to the management of risks.
• Review and challenge BL credit policies, standards, and procedures.
• Provide SME guidance to the line of business in support of compliance with Credit Risk Management framework components.
• Provide oversight of business line Credit Risk performance, loss identification and reporting, escalate material losses 
• Actively participate in business line risk routines to ensure thorough and up-to-date knowledge of the business.
• Leverage independent view of risks to identify and influence business decisions, serve as a trusted advisor to the business and be an ambassador for Credit Risk.
• Ability to draft executive level presentations to communicate conclusions and recommendations to all levels of management.

Skills on Resume:

• Risk Plan Execution (Hard Skills)
• Testing Guidance (Hard Skills)
• Control Testing (Hard Skills)
• Risk Analysis (Hard Skills)
• Policy Review (Hard Skills)
• SME Guidance (Hard Skills)
• Risk Oversight (Hard Skills)
• Executive Reporting (Soft Skills)

Job Summary:

• Lead the design, development, validation, and implementation of risk models to support new account origination and fraud identification/mitigation.
• Identify innovative modeling techniques that leverage industry best practices and enhance portfolio profitability.
• Perform quantitative analysis to produce recommendations and reports in support of business initiatives, efficiencies, and potential strategies. 
• Mentor and supervise analysts to deliver on projects, develop and train talent.
• Research and review new alternative data sources with a view towards augmenting model performance.
• Advise management on the suitability of risk exposures relative to the Risk Appetite Statement and risk limits
• Independently identify, assess, measure, mitigate, control, monitor, test, report, and escalate risks, including aggregated risks across the enterprise
• Conduct ad-hoc analytics and manage various other independent projects

Skills on Resume:

• Risk Model Development (Hard Skills)
• Modeling Innovation (Hard Skills)
• Quantitative Analysis (Hard Skills)
• Talent Development (Soft Skills)
• Data Source Research (Hard Skills)
• Risk Advisory (Hard Skills)
• Risk Management (Hard Skills)
• Ad-Hoc Analytics (Hard Skills)

Job Summary:

• Analysis of customer’s information releases: activity and financial. 
• Understanding of economic and sectorial environment.
• Undertake risk focused due diligence meetings with clients.
• Prepare credit ratings under internal methodology.
• Establish the bank's credit risk appetite with each client based on their financial profile.
• Establish limits and policies (pre-classification) from a qualitative perspective (terms / products) and quantitative (amounts).
• Understanding of the different banking products, considering the accounting, financial and legal implications, with a particular focus on derivative products.
• Assess the business proposals presented for each, presenting them to the corresponding Risk Fora.
• Work closely with front office business and product units.
• Follow-up of transactions analyzed up to final approval or rejection.
• Control and review of transactions carried out, monitoring their correct input in the bank's internal systems to ensure appropriate quantification and reporting of credit risk.
• Identify early remedial action on deteriorating credits to manage credit problems.

Skills on Resume:

• Customer Analysis (Hard Skills)
• Sectorial Understanding (Hard Skills)
• Client Due Diligence (Hard Skills)
• Credit Rating Preparation (Hard Skills)
• Risk Appetite Setting (Hard Skills)
• Policy Establishment (Hard Skills)
• Product Assessment (Hard Skills)
• Transaction Monitoring (Hard Skills)

Job Summary:

• Assist in setting up and manage the overall credit risk framework for the firm by local regulatory requirements.
• Provide recommendations to help strengthen the firm’s internal control environment.
• Develop, maintain and review credit risk policies and standards, establishing tools for the credit rating and credit application processes.
• Review credit applications, and provide an independent credit assessment and credit decisions.
• Ongoing credit portfolio monitoring and portfolio management on existing transactions, highlighting any potential credit issues
• Heading the end to end credit approval process for new, complex and highly structured leveraged finance transactions
• Analysing due diligence, preparing credit memos and making recommendations / credit decisions within acceptable credit and regulatory risk parameters
• Providing sound, time critical feedback to key stakeholders on proposed financing structures and effectively questioning 
• Utilizing sanctioning authority which enables to approve certain transactions or requires recommendations to be made to the relevant sanction level if outside discretion
• Using Knowledge of the evolving Leveraged Finance regulatory landscape, understanding how it applies to transactions, whilst providing appropriate guidance to key stakeholders

Skills on Resume:

• Framework Setup (Hard Skills)
• Control Recommendations (Hard Skills)
• Policy Development (Hard Skills)
• Credit Assessment (Hard Skills)
• Portfolio Monitoring (Hard Skills)
• Credit Process Leadership (Hard Skills)
• Due Diligence Analysis (Hard Skills)
• Regulatory Guidance (Hard Skills)

Job Summary:

• Detailed analysis of new lending applications including financial analysis, to sanction proposals within the agreed lending discretion parameters.
• Making commercial credit risk decisions to enable the business to achieve commercial objectives but not by compromising risk quality.
• Liaising with the sales team nationwide to provide technical guidance on potential new transactions and to steer them towards the right type of new business opportunities.
• Highlighting necessary credit risk policy adjustments and operational improvements to improve the efficiency of the credit risk function.
• Making recommendations on larger value transactions outside of the given delegated authority.
• Contributing to credit risk committees and forums.
• Formulate credit policies, guidelines and approval criteria to ensure they are in adherence with regulatory requirements and statutory rules and regulations
• Review and revise existing laid-down policies for retail and corporate lending product to regulate credit activities undertaken by the Bank

Skills on Resume:

• Lending Application Analysis (Hard Skills)
• Credit Decision Making (Hard Skills)
• Sales Team Liaison (Soft Skills)
• Policy Adjustment (Hard Skills)
• Transaction Recommendations (Hard Skills)
• Committee Contribution (Soft Skills)
• Credit Policy Formulation (Hard Skills)
• Policy Review (Hard Skills)

Job Summary:

• Managing and following policyholders' most sensitive and important clients, updating and controlling the IT tool running risk reports
• Finding and analyzing relevant information on debtors to challenge insurance underwriters’ decisions
• Staying informed and up-to-date concerning country risks evolutions, sectors, and leading companies' business trend
• Establishing a close relationship with insurance companies, negotiating risk cover, and appealing decisions
• Being clients’ key partner, in order to ensure the carriers’ fair position on the risk taken, in order to maximize their fidelity.
• Build predictive models relating to credit risk, fraud, underwriting, growth, and customer segmentation
• Work cross functionally with data and engineering team to perform thorough testing and validation of models and support various aspects of the business with data analytics
• Communicate business performance and project progress to management and business partners
• Design and execute tests to understand optimization sensitivity and determine strategy for optimal risk adjusted revenue
• Conduct analysis and turn insights into actionable changes for predictive models or policies relating to credit strategy and risk
• Analyze portfolio performance data to identify growth opportunities, risks & strategy to mitigate that loss
• Manage relationships with external stakeholders

Skills on Resume:

• Client Risk Management (Hard Skills)
• Information Analysis (Hard Skills)
• Insurance Negotiation (Soft Skills)
• Model Building (Hard Skills)
• Cross-Functional Collaboration (Soft Skills)
• Performance Communication (Soft Skills)
• Strategy Testing (Hard Skills)
• Stakeholder Management (Soft Skills)

Job Summary:

• Helping to shape the team’s vision and objectives, managing the day-to-day activities, and providing coaching and training to more junior members of the team.
• Identifying key risk trends and providing recommendations, where necessary, to Decision Committees on the most suitable course of action
• Monitoring the portfolio at large and down to account level, using key metrics including external data and portfolio quality measures
• Liaising with other business functions such as Product, Finance, Operations, and other second-line functions to deliver on strategy and policy initiatives
• Initiating deep dives, including annual obligatory reviews and Adhoc requests and supporting the first line of defense deep dives
• Supporting and enhancing key risk management tools and frameworks on Current Account product, carrying out risk oversight responsibility in relevant forums
• Developing new ideas and approaches within Risk by leveraging the power of the Barclays transactional ecosystem and new data sources that become available
• Undertaking analytical research and data acquisition with the aim of creating strategically important new ‘future state’ risk management and decision capability
• Producing MI and deep-dive analysis to arrive at fitting conclusions 
• Working with Credit Risk areas: Acquisition Strategy, Existing Customer Management Strategy, High-Risk Account Management, Collections Strategy, Impairment Analytics

Skills on Resume:

• Team Leadership (Soft Skills)
• Risk Trend Analysis (Hard Skills)
• Portfolio Monitoring (Hard Skills)
• Cross-Functional Liaison (Soft Skills)
• Risk Management Support (Hard Skills)
• Tool Enhancement (Hard Skills)
• Analytical Innovation (Hard Skills)
• Strategic Analysis (Hard Skills)

Job Summary:

• Work in a passionate and international team, within a growing and highly specialized segment of business
• Develop financial and insurance skills that will make day-to-day services valuable and recognized
• Advice and support clients based around the globe
• Managing a segment of the Credit Risk Management team in the communication of the overall credit philosophy and decision methodology across all channels and programs offered by loan Depot.
• Reviews the most complex loan transactions including scenarios, escalated issues, complex tax analysis, escalations, variances, and exceptions.
• Actively works to minimize credit risk while maximizing lending opportunities, ensuring a consistent path and access to credit for all applicants.
• Assist in developing and maintaining IRB credit risk models
• Prepare model data and perform data analysis
• Assist user departments with the model use inquiries
• Participate in model system test

Skills on Resume:

• Team Collaboration (Soft Skills)
• Financial Skill Development (Hard Skills)
• Global Client Support (Soft Skills)
• Credit Philosophy Management (Hard Skills)
• Loan Review (Hard Skills)
• Risk Opportunity Balancing (Hard Skills)
• Model Development (Hard Skills)
• Data Analysis (Hard Skills)

Job Summary:

• Compiling a documented report to the Credit Committee aligned with company Financial Accounting Standards
• Performing Risk Assessments on all new customers (before entering into any commercial relationship) based on internal and external information
• Analyzing Credit Results monthly and report to the Accounts Receivable Manager Managers providing guidelines on ensuring accurate and prompt collections instead of critical risk elements
• Providing accurate, ongoing reconciliation of securities and approved Credit limits
• Preparing, submitting, and examining reports about Customer Accounts Manager
• Assisting with the Credit application document verification process
• Managing a sub-portfolio of customers within the credit control department
• Analyze customer financial situations to ascertain their credit health and keep commercial teams informed
• Establish a suitable Credit Limit for customers in line with a delegation of authorities
• Ensure that guarantees are in place in line with credit risk associated with the customer, or make the necessary recommendations to manage company risk
• Manage relationships with external service providers (i.e.) credit bureau, credit insurers, etc.

Skills on Resume:

• Committee Reporting (Hard Skills)
• Risk Assessments (Hard Skills)
• Credit Analysis (Hard Skills)
• Securities Reconciliation (Hard Skills)
• Accounts Reporting (Hard Skills)
• Document Verification (Hard Skills)
• Health Analysis (Hard Skills)
• Relationship Management (Soft Skills)

Job Summary:

• Ensure timeous submission of credit insurance claims to avoid associated risk
• Monitor and report on all credit limits changes
• Ensure P&L budget objectives are adhered to relating to Bad Debt Provision and Bad Debt write off
• Establish a control framework (e.g. information systems access and authorities, a delegation of Authorities, SOX controls
• Monitor all requests of file transfers to Litigation to mitigate Bad Debt Provisions trader accounts
• Establish controls/processes to manage Credit Risk exposure, mitigating DSO, and optimize working capital
• Develop and maintain an effective Risk Classification model
• Refer all AoD requests to the Customer Account Manager/ Legal/Credit Committee
• Ensure accuracy of the information for audit purposes and provision plus WCR calculation
• Define clear segregation of duties between the Credit/Business Support and Sales and Marketing teams
• Manage a high degree of responsiveness expected from Commercial divisions
• Ensure cross-department collaboration
• Analyze rapidly financial information in stressed scenarios

Skills on Resume:

• Insurance Claim Submission (Hard Skills)
• Credit Limit Monitoring (Hard Skills)
• P&L Budget Compliance (Hard Skills)
• Control Framework Establishment (Hard Skills)
• Litigation Monitoring (Hard Skills)
• Risk Process Control (Hard Skills)
• Risk Model Maintenance (Hard Skills)
• Cross-Department Collaboration (Soft Skills)