Credit Manager
Core
Assess and evaluate lending applications through robust credit risk assessment, affordability analysis, and sound financial principles to support asset book growth while ensuring lending decisions remain within the Bank's risk appetite and regulatory framework.
Role type
Senior Credit Manager (Corporate/Structured Lending)
Builds
Corporate lending facilities, structured finance deals, and a high-quality credit portfolio
Domain
Banking, Corporate Finance, Structured Lending
Required skills
Credit risk assessment, quantitative and qualitative financial analysis, covenant monitoring, security package design, loan-to-value and debt-service metric analysis, stakeholder management, team leadership
Preferred skills
Real estate/property finance expertise, structured lending education, development experience
Technologies
Basel requirements, credit policies, risk frameworks
Responsibilities
Articulate credit appetite based on risk appetite for sector, undertake financial analysis to understand counterparty risks, conduct annual risk reviews on the existing portfolio, critically assess valuation assumptions and cash flows, design or challenge fit-for-purpose security packages and collateral arrangements, ensure covenants and drawdown controls are measurable and effectively monitored
Seniority
Senior, hands-on IC with leadership responsibilities