Senior Credit Executive - Corporate and Institutional Relationships: "Senior Credit Executive in the New York
branch overseeing the credit approval and risk component of the Americas corporate client portfolio, assisting with fulfilment of growth objectives, portfolio monitoring, and exercising joint credit approval authority over new and existing client proposals.
Provide comprehensive risk management over the corporate client portfolio. Perform detailed review and independent credit assessment of all transactions and limit requests. Critically assess downside/stress scenarios, lending structure, strategic fit of the client within the super regional strategy/branch business writing strategy, and policy requirements. Articulate a clear basis for each credit decision and/or recommendation to the next level in the risk chain. Oversight includes due diligence visits to clients, attending industry conferences, and proactive management of the portfolio via market indicators, external credit vendors, etc
Monitor and identify trends in overall credit quality of the corporate client portfolio. Portfolio review includes identification of risk concentrations, adverse movements, implementation of action items, mitigation strategies, etc. Produce regular portfolio reports and commentary to management on portfolio credit quality. Liaise with CRO America on wider portfolio considerations.
Provide advice and guidance to business counterparts in relation to interpretation and application of Group Risk policies and procedures. Liaise with Market Risk and Operating Risk counterparts to provide holistic risk approach and subject matter expertise."
