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Head: Credit Risk, Business and Commercial Banking
- To be advised
- Permanent, Full Time
- Closing in 27 days
- Standard Bank Isle of Man Limited
Apply via : https://smrtr.io/w9RLG -
Job Description:
To lead the Credit Risk function for the Business and Commercial Banking business unit (BU) in country, ensuring effective credit risk management across the entire credit lifecycle. To implement the BU's credit strategy in alignment with country-level credit objectives, risk appetite, and regulatory requirements, while supporting sustainable business growth and maintaining a high-quality credit portfolio.
Qualifications:
Education:
First Degree in Business Commerce, Finance and Accounting, Generic Management or Risk Management.
Postgraduate in Degree in Business Commerce, Finance and Accounting, Generic Management or Risk Management (Advantageous).
Experience:
This role requires a seasoned leader and expert in Risk management with extensive knowledge of the entire credit lifecycle, together with comprehensive experience within Real Estate Finance and the property sector, including but not limited to, structuring, assessing and managing credit exposures related to property transactions and development projects.
Proven ability to manage stressed and distressed clients, with a track record of implementing effective risk mitigation strategies, negotiating restructuring solutions, and safeguarding the bank’s interests, while maintaining client relationships.
Minimum 5 years People Leadership experience at a Senior organisational level, with a focus on talent management, resourcing, development and retention.
Regulatory environment savvy, a proven track record in large scale and high-level leadership and proactively develop and manage relationships with key internal and external stakeholders and external legal counsel, relevant to the business strategy. Ability to build and develop relationships across the bank with various stakeholders, with the intention of breaking down silos to maximise business growth.
8-10 years’ Experience in managing credit origination (both intuitive and automated) and credit operations, with an ability to handle all aspects of client engagement, including coordinating and execution of transactions.
Additional information:
Behavioural Competencies:
Developing Expertise.
Challenging Ideas.
Convincing People.
Developing Strategies.
Directing People.
Technical Competencies:
Economic Capital Management.
Evaluating Risk Management Effectiveness.
Risk Acceptance, Awareness, Identification and Management.
Debt Capacity modelling proficiency.
PD/LGD/EAD understanding and application.
