Credit Officer - Senior Vice President

• Lead the management of a portfolio of stressed and distressed credit exposures
• Define and implement account and exposure strategies
• Proactively manage evolving credit situations and workout processes
• Develop and execute restructuring and remedial strategies
• Drive portfolio recovery value while balancing stakeholder interests
• Partner with internal teams, clients, and external advisors to deliver solutions
• Provide risk oversight, challenge, and approvals in line with 2LoD responsibilities
• Ensure accurate and timely risk ratings, regulatory classifications, and cost of credit actions
• Provide strategic direction, transaction execution, and approval for Special Assets-managed credits
• Work with Special Assets Senior Transactors, valuation team members and banking in the management and execution of the Special Assets portfolio
• Recommendation and/or approval for credit decisions and certain work product involving the Special Assets portfolio
• Timely and proactive execution of portfolio management responsibilities, particularly recurring monitoring requirements
• Accountable for ensuring appropriate regulatory classifications, internal risk ratings and company/asset valuations are approved and reported accurately and on a timely basis, and are in compliance with policies, processes and procedures
• Work proactively, and in a constructive and diplomatic manner, with internal and external stakeholders to advance favourable resolutions on transactions, including direct interaction with borrowers
• Communicate effectively with internal and external partners, senior management, regulators and other important stakeholders
• Mentor and develop Special Assets junior staff to advance their skillset and professional effectiveness
• Participate and/or provide leadership for special projects and various priority initiatives
• Recommend changes to improve existing processes, policies, and procedures to achieve greater efficiency, governance and controls

• Extensive experience in a credit-oriented role, preferably with a large multinational financial services firm
• Solid experience in credit, restructuring, or remedial management with understanding of legal documentation and regulatory frameworks
• Strong credit sense and ability to articulate a view, work across a range of credit products, with experience in early problem recognition and crisis resolution skills
• Effective interpersonal skills, including an ability to be persuasive and build consensus on complex issues
• Highly-experienced credit professional with a deep and relevant restructuring, distressed or comparable expertise
• Demonstrated corporate finance, business strategy and debt structuring skills, with ability to manage complex transactions and conduct negotiations
• Thorough understanding of the risk profile, structure and governing documentation for various credit and market products
• Hands on experience in stressed and distressed concepts, processes, and associated internal bank accounting (e.g., valuations, cost of credit, etc.)
• History of promoting a strong governance and controls environment
• Excellent analytical, technical, and problem-solving skills
• Strong communication and stakeholder management abilities
• Proven ability to manage complex, dynamic situations and drive outcomes
• Bachelor’s degree
• Master’s/advanced degree(s) and other certifications considered but not required

Senior Credit Officer or Credit Officer approver designation or equivalent credit authority preferred

• Generous holiday allowance starting at 27 days plus bank holidays
• increasing with tenure
• A discretional annual performance related bonus
• Private medical insurance packages to suit your personal circumstances
• Employee Assistance Program
• Pension Plan
• Paid Parental Leave
• Special discounts for employees, family, and friends
• Access to an array of learning and development resources